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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 | $69,604 | $60,139+15.7% | $90,461-23.1% | $79,856-12.8% |
| Participation rate | 54.7% | 65.0%-10.3pp | 72.7%-18.0pp | 69.6%-15.0pp |
| Annual return | 8.22% | 71.96%-63.7pp | 1294.76%-1286.5pp | 31.71%-23.5pp |
| Employer contribution / active EE | $1,209 | $2,069-41.6% | $3,264-63.0% | $2,471-51.1% |
| Participant deferral / active EE | $2,824 | $2,939-3.9% | $3,964-28.8% | $3,741-24.5% |
| Admin fee / account holder | $1,401 | $3,978-64.8% | $5,617-75.1% | $5,306-73.6% |