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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 | $126,214 | $181,062-30.3% | $158,223-20.2% | $155,188-18.7% |
| Participation rate | 50.0% | 82.7%-32.7pp | 79.2%-29.2pp | 80.8%-30.8pp |
| Annual return | 3.91% | 57.39%-53.5pp | 52.09%-48.2pp | 148.84%-144.9pp |
| Employer contribution / active EE | $2,803 | $4,565-38.6% | $4,109-31.8% | $4,248-34.0% |
| Participant deferral / active EE | $5,535 | $6,134-9.8% | $5,467+1.2% | $6,531-15.3% |
| Admin fee / account holder | $3,000 | $18,825-84.1% | $16,047-81.3% | $14,480-79.3% |