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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 | $22,406 | $58,311-61.6% | $81,882-72.6% | $80,959-72.3% |
| Participation rate | 65.4% | 63.5%+1.9pp | 72.4%-7.0pp | 67.7%-2.3pp |
| Annual return | 5.37% | 41.85%-36.5pp | 779.47%-774.1pp | 35.67%-30.3pp |
| Employer contribution / active EE | $1,713 | $2,347-27.0% | $2,916-41.3% | $2,757-37.9% |
| Participant deferral / active EE | $4,350 | $3,287+32.3% | $4,323+0.6% | $4,300+1.2% |
| Admin fee / account holder | $2,346 | $4,752-50.6% | $7,360-68.1% | $6,925-66.1% |