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 | $102,077 | $111,878-8.8% | $93,727+8.9% | $145,897-30.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 5.09% | 204.28%-199.2pp | 133.83%-128.7pp | 552.29%-547.2pp |
| Employer contribution / active EE | $6,330 | $3,092+104.7% | $2,421+161.4% | $4,663+35.8% |
| Participant deferral / active EE | $2,516 | $4,920-48.9% | $4,417-43.1% | $6,689-62.4% |
| Admin fee / account holder | $4,950 | $10,256-51.7% | $8,292-40.3% | $13,390-63.0% |