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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 | $238,647 | $154,193+54.8% | $130,045+83.5% | $139,466+71.1% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.5%-18.5pp | 80.3%-20.3pp |
| Annual return | 7.94% | 32.51%-24.6pp | -137.30%+145.2pp | 373.66%-365.7pp |
| Employer contribution / active EE | $4,652 | $5,292-12.1% | $4,321+7.7% | $4,754-2.1% |
| Participant deferral / active EE | $13,275 | $6,709+97.9% | $5,820+128.1% | $6,712+97.8% |
| Admin fee / account holder | $1,051 | $13,989-92.5% | $10,600-90.1% | $11,409-90.8% |