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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 | $71,989 | $58,241+23.6% | $81,780-12.0% | $80,911-11.0% |
| Participation rate | 52.0% | 63.4%-11.4pp | 72.4%-20.4pp | 67.6%-15.6pp |
| Annual return | 10.56% | 41.73%-31.2pp | 776.27%-765.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,279 | $2,343-45.4% | $2,914-56.1% | $2,756-53.6% |
| Participant deferral / active EE | $1,505 | $3,283-54.2% | $4,321-65.2% | $4,297-65.0% |
| Admin fee / account holder | $462 | $4,973-90.7% | $7,384-93.7% | $6,935-93.3% |