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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 | $146,637 | $60,139+143.8% | $90,461+62.1% | $79,856+83.6% |
| Participation rate | 57.4% | 65.0%-7.6pp | 72.7%-15.3pp | 69.6%-12.3pp |
| Annual return | 8.25% | 71.96%-63.7pp | 1294.76%-1286.5pp | 31.71%-23.5pp |
| Employer contribution / active EE | $1,703 | $2,069-17.7% | $3,264-47.8% | $2,471-31.1% |
| Participant deferral / active EE | $3,607 | $2,939+22.7% | $3,964-9.0% | $3,741-3.6% |
| Admin fee / account holder | $1,361 | $3,978-65.8% | $5,617-75.8% | $5,306-74.3% |