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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 | $142,582 | $111,535+27.8% | $105,223+35.5% | $137,256+3.9% |
| Participation rate | 43.8% | 78.1%-34.3pp | 75.0%-31.3pp | 80.0%-36.2pp |
| Annual return | 11.09% | 237.85%-226.8pp | 180.65%-169.6pp | 220.34%-209.3pp |
| Employer contribution / active EE | $1,868 | $3,939-52.6% | $3,689-49.4% | $4,156-55.1% |
| Participant deferral / active EE | $4,648 | $5,500-15.5% | $5,072-8.4% | $6,407-27.5% |
| Admin fee / account holder | $8,148 | $9,721-16.2% | $8,859-8.0% | $12,270-33.6% |