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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $127,391 | $149,040-14.5% | $120,225+6.0% | $137,256-7.2% |
| Participation rate | 63.6% | 75.4%-11.8pp | 69.6%-5.9pp | 80.0%-16.3pp |
| Annual return | 8.80% | 605.68%-596.9pp | 439.23%-430.4pp | 220.34%-211.5pp |
| Employer contribution / active EE | $1,382 | $4,350-68.2% | $3,475-60.2% | $4,156-66.7% |
| Participant deferral / active EE | $4,474 | $4,655-3.9% | $3,999+11.9% | $6,407-30.2% |
| Admin fee / account holder | $3,950 | $6,348-37.8% | $5,696-30.6% | $12,270-67.8% |