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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 | $96,060 | $148,582-35.3% | $135,942-29.3% | $139,456-31.1% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 10.94% | 79.26%-68.3pp | 68.28%-57.3pp | 373.45%-362.5pp |
| Employer contribution / active EE | $7,936 | $5,245+51.3% | $4,858+63.4% | $4,753+67.0% |
| Participant deferral / active EE | $5,906 | $8,101-27.1% | $7,759-23.9% | $6,711-12.0% |
| Admin fee / account holder | $39,247 | $12,402+216.4% | $10,764+264.6% | $11,407+244.1% |