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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 | $94,377 | $111,785-15.6% | $93,669+0.8% | $145,877-35.3% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 7.25% | 203.79%-196.5pp | 133.59%-126.3pp | 551.28%-544.0pp |
| Employer contribution / active EE | $1,925 | $3,096-37.8% | $2,424-20.6% | $4,663-58.7% |
| Participant deferral / active EE | $3,125 | $4,919-36.5% | $4,416-29.2% | $6,691-53.3% |
| Admin fee / account holder | $2,207 | $10,256-78.5% | $8,291-73.4% | $13,402-83.5% |