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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 | $130,245 | $111,535+16.8% | $105,223+23.8% | $137,256-5.1% |
| Participation rate | 58.3% | 78.1%-19.8pp | 75.0%-16.7pp | 80.0%-21.6pp |
| Annual return | 10.34% | 237.85%-227.5pp | 180.65%-170.3pp | 220.34%-210.0pp |
| Employer contribution / active EE | $1,477 | $3,939-62.5% | $3,689-59.9% | $4,156-64.5% |
| Participant deferral / active EE | $3,441 | $5,500-37.4% | $5,072-32.2% | $6,407-46.3% |
| Admin fee / account holder | $27,256 | $9,721+180.4% | $8,859+207.7% | $12,270+122.1% |