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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 | $137,378 | $114,013+20.5% | $103,693+32.5% | $155,188-11.5% |
| Participation rate | 25.0% | 75.2%-50.2pp | 72.6%-47.6pp | 80.8%-55.8pp |
| Annual return | 3.88% | 49.31%-45.4pp | 47.61%-43.7pp | 148.84%-145.0pp |
| Employer contribution / active EE | $2,127 | $3,131-32.1% | $2,920-27.2% | $4,248-49.9% |
| Participant deferral / active EE | $3,905 | $4,970-21.4% | $4,579-14.7% | $6,531-40.2% |
| Admin fee / account holder | $765 | $8,407-90.9% | $7,858-90.3% | $14,480-94.7% |