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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 | $156,417 | $124,330+25.8% | $109,173+43.3% | $167,536-6.6% |
| Participation rate | 60.0% | 79.5%-19.5pp | 75.9%-15.9pp | 82.1%-22.1pp |
| Annual return | 7.87% | 26.04%-18.2pp | 25.75%-17.9pp | 478.82%-470.9pp |
| Employer contribution / active EE | $9,275 | $4,209+120.4% | $3,723+149.1% | $4,839+91.7% |
| Participant deferral / active EE | $9,756 | $5,256+85.6% | $4,654+109.6% | $6,342+53.8% |
| Admin fee / account holder | $777 | $7,974-90.3% | $6,755-88.5% | $12,315-93.7% |