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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 | $127,874 | $129,737-1.4% | $119,126+7.3% | $154,746-17.4% |
| Participation rate | 45.5% | 78.9%-33.4pp | 75.8%-30.3pp | 80.7%-35.2pp |
| Annual return | 8.98% | 379.08%-370.1pp | 282.11%-273.1pp | 172.34%-163.4pp |
| Employer contribution / active EE | $2,221 | $4,375-49.2% | $4,034-44.9% | $4,379-49.3% |
| Participant deferral / active EE | $4,506 | $5,842-22.9% | $5,318-15.3% | $6,730-33.1% |
| Admin fee / account holder | $28,195 | $11,961+135.7% | $10,693+163.7% | $14,365+96.3% |