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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 | $45,412 | $160,070-71.6% | $147,117-69.1% | $145,897-68.9% |
| Participation rate | 63.6% | 84.0%-20.4pp | 82.2%-18.5pp | 80.3%-16.7pp |
| Annual return | 9.30% | 98.69%-89.4pp | 420.54%-411.2pp | 552.29%-543.0pp |
| Employer contribution / active EE | $1,280 | $5,285-75.8% | $4,932-74.0% | $4,663-72.5% |
| Participant deferral / active EE | $4,384 | $8,419-47.9% | $8,065-45.6% | $6,689-34.5% |
| Admin fee / account holder | $1,606 | $15,035-89.3% | $12,993-87.6% | $13,390-88.0% |