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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 | $113,156 | $160,040-29.3% | $147,096-23.1% | $145,877-22.4% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 5.53% | 98.49%-93.0pp | 419.75%-414.2pp | 551.28%-545.8pp |
| Employer contribution / active EE | $4,822 | $5,289-8.8% | $4,936-2.3% | $4,663+3.4% |
| Participant deferral / active EE | $5,567 | $8,429-34.0% | $8,071-31.0% | $6,691-16.8% |
| Admin fee / account holder | $1,536 | $15,050-89.8% | $13,005-88.2% | $13,402-88.5% |