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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 | $226,645 | $111,535+103.2% | $105,223+115.4% | $137,256+65.1% |
| Participation rate | 46.2% | 78.1%-31.9pp | 75.0%-28.9pp | 80.0%-33.8pp |
| Annual return | 10.54% | 237.85%-227.3pp | 180.65%-170.1pp | 220.34%-209.8pp |
| Employer contribution / active EE | $2,001 | $3,939-49.2% | $3,689-45.7% | $4,156-51.8% |
| Participant deferral / active EE | $3,296 | $5,500-40.1% | $5,072-35.0% | $6,407-48.5% |
| Admin fee / account holder | $2,878 | $9,721-70.4% | $8,859-67.5% | $12,270-76.5% |