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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 | $195,313 | $176,077+10.9% | $159,455+22.5% | $167,518+16.6% |
| Participation rate | 45.5% | 84.9%-39.5pp | 82.8%-37.4pp | 82.1%-36.7pp |
| Annual return | 6.80% | 331.83%-325.0pp | 263.63%-256.8pp | 478.71%-471.9pp |
| Employer contribution / active EE | $1,380 | $5,298-74.0% | $4,830-71.4% | $4,838-71.5% |
| Participant deferral / active EE | $3,268 | $7,751-57.8% | $7,353-55.6% | $6,342-48.5% |
| Admin fee / account holder | $22,032 | $12,556+75.5% | $10,800+104.0% | $12,312+78.9% |