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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 | $116,526 | $112,121+3.9% | $95,960+21.4% | $158,966-26.7% |
| Participation rate | 57.1% | 79.0%-21.8pp | 77.1%-19.9pp | 82.0%-24.8pp |
| Annual return | -1.36% | 171.16%-172.5pp | 91.63%-93.0pp | 302.95%-304.3pp |
| Employer contribution / active EE | $1,525 | $3,199-52.3% | $2,541-40.0% | $4,762-68.0% |
| Participant deferral / active EE | $4,416 | $4,784-7.7% | $4,167+6.0% | $5,983-26.2% |
| Admin fee / account holder | $2,964 | $10,135-70.8% | $6,797-56.4% | $11,250-73.7% |