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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 | $153,194 | $107,368+42.7% | $92,915+64.9% | $152,909+0.2% |
| Participation rate | 60.0% | 79.8%-19.8pp | 76.0%-16.0pp | 82.5%-22.5pp |
| Annual return | 1.87% | 145.64%-143.8pp | 109.45%-107.6pp | 345.46%-343.6pp |
| Employer contribution / active EE | $1,367 | $4,222-67.6% | $3,653-62.6% | $4,764-71.3% |
| Participant deferral / active EE | $5,340 | $4,848+10.2% | $4,238+26.0% | $5,851-8.7% |
| Admin fee / account holder | $13,265 | $7,082+87.3% | $5,796+128.9% | $11,601+14.3% |