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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 | $188,198 | $183,516+2.6% | $155,534+21.0% | $145,884+29.0% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 3.52% | 61.43%-57.9pp | 64.92%-61.4pp | 551.85%-548.3pp |
| Employer contribution / active EE | $11,697 | $5,315+120.1% | $4,675+150.2% | $4,662+150.9% |
| Participant deferral / active EE | $5,838 | $6,467-9.7% | $5,630+3.7% | $6,690-12.7% |
| Admin fee / account holder | $6,992 | $19,293-63.8% | $15,900-56.0% | $13,392-47.8% |