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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 | $129,641 | $209,422-38.1% | $178,503-27.4% | $158,982-18.5% |
| Participation rate | 54.5% | 86.4%-31.8pp | 81.9%-27.4pp | 82.0%-27.4pp |
| Annual return | 3.94% | 188.81%-184.9pp | 151.12%-147.2pp | 302.99%-299.0pp |
| Employer contribution / active EE | $2,799 | $5,707-50.9% | $5,011-44.1% | $4,763-41.2% |
| Participant deferral / active EE | $4,534 | $5,955-23.9% | $5,202-12.8% | $5,983-24.2% |
| Admin fee / account holder | $6,669 | $17,079-61.0% | $13,987-52.3% | $11,252-40.7% |