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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 | $225,640 | $111,535+102.3% | $105,223+114.4% | $137,256+64.4% |
| Participation rate | 68.4% | 78.1%-9.7pp | 75.0%-6.6pp | 80.0%-11.5pp |
| Annual return | 11.20% | 237.85%-226.7pp | 180.65%-169.4pp | 220.34%-209.1pp |
| Employer contribution / active EE | $2,336 | $3,939-40.7% | $3,689-36.7% | $4,156-43.8% |
| Participant deferral / active EE | $4,307 | $5,500-21.7% | $5,072-15.1% | $6,407-32.8% |
| Admin fee / account holder | $12,680 | $9,721+30.4% | $8,859+43.1% | $12,270+3.3% |