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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 | $93,441 | $111,535-16.2% | $105,223-11.2% | $137,256-31.9% |
| Participation rate | 55.6% | 78.1%-22.5pp | 75.0%-19.5pp | 80.0%-24.4pp |
| Annual return | 3.48% | 237.85%-234.4pp | 180.65%-177.2pp | 220.34%-216.9pp |
| Employer contribution / active EE | $3,945 | $3,939+0.1% | $3,689+7.0% | $4,156-5.1% |
| Participant deferral / active EE | $9,974 | $5,500+81.3% | $5,072+96.7% | $6,407+55.7% |
| Admin fee / account holder | $4,294 | $9,721-55.8% | $8,859-51.5% | $12,270-65.0% |