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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 | $73,171 | $72,071+1.5% | $68,368+7.0% | $137,256-46.7% |
| Participation rate | 60.9% | 76.2%-15.4pp | 73.8%-12.9pp | 80.0%-19.1pp |
| Annual return | 11.80% | 353.14%-341.3pp | 292.57%-280.8pp | 220.34%-208.5pp |
| Employer contribution / active EE | $2,546 | $2,788-8.7% | $2,649-3.9% | $4,156-38.7% |
| Participant deferral / active EE | $4,976 | $4,410+12.8% | $4,123+20.7% | $6,407-22.3% |
| Admin fee / account holder | $4,402 | $5,336-17.5% | $5,150-14.5% | $12,270-64.1% |