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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 | $99,122 | $106,008-6.5% | $92,240+7.5% | $147,586-32.8% |
| Participation rate | 55.6% | 80.4%-24.9pp | 76.5%-20.9pp | 82.8%-27.3pp |
| Annual return | 4.92% | 50.05%-45.1pp | 176.29%-171.4pp | 578.59%-573.7pp |
| Employer contribution / active EE | $4,457 | $4,333+2.9% | $3,680+21.1% | $4,876-8.6% |
| Participant deferral / active EE | $2,500 | $4,478-44.2% | $3,897-35.8% | $5,439-54.0% |
| Admin fee / account holder | $2,681 | $6,333-57.7% | $5,194-48.4% | $10,886-75.4% |