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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 | $73,294 | $45,152+62.3% | $73,835-0.7% | $59,633+22.9% |
| Participation rate | 31.0% | 64.0%-33.0pp | 73.4%-42.4pp | 68.7%-37.6pp |
| Annual return | -2.98% | 27.40%-30.4pp | 2268.13%-2271.1pp | 2041.40%-2044.4pp |
| Employer contribution / active EE | $925 | $1,901-51.4% | $2,788-66.8% | $2,203-58.0% |
| Participant deferral / active EE | $3,312 | $2,573+28.7% | $3,583-7.6% | $3,192+3.8% |
| Admin fee / account holder | $3,642 | $3,515+3.6% | $4,880-25.4% | $4,297-15.3% |