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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 | $145,491 | $129,737+12.1% | $119,126+22.1% | $154,746-6.0% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 7.21% | 379.08%-371.9pp | 282.11%-274.9pp | 172.34%-165.1pp |
| Employer contribution / active EE | $1,447 | $4,375-66.9% | $4,034-64.1% | $4,379-67.0% |
| Participant deferral / active EE | $3,512 | $5,842-39.9% | $5,318-34.0% | $6,730-47.8% |
| Admin fee / account holder | $2,775 | $11,961-76.8% | $10,693-74.1% | $14,365-80.7% |