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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 | $144,043 | $175,257-17.8% | $149,717-3.8% | $139,456+3.3% |
| Participation rate | 20.0% | 83.4%-63.4pp | 78.8%-58.8pp | 80.3%-60.3pp |
| Annual return | 7.54% | 166.70%-159.2pp | 134.41%-126.9pp | 373.45%-365.9pp |
| Employer contribution / active EE | $1,614 | $5,477-70.5% | $4,820-66.5% | $4,753-66.0% |
| Participant deferral / active EE | $5,976 | $6,521-8.4% | $5,682+5.2% | $6,711-11.0% |
| Admin fee / account holder | $67,974 | $16,156+320.7% | $13,213+414.5% | $11,407+495.9% |