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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 | $46,745 | $45,566+2.6% | $64,105-27.1% | $59,633-21.6% |
| Participation rate | 65.5% | 60.2%+5.3pp | 68.2%-2.7pp | 68.7%-3.2pp |
| Annual return | -3.50% | 4.95%-8.4pp | 791.24%-794.7pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $1,083 | $934+16.0% | $1,820-40.5% | $2,203-50.8% |
| Participant deferral / active EE | $3,157 | $2,057+53.5% | $2,822+11.9% | $3,192-1.1% |
| Admin fee / account holder | $825 | $3,268-74.8% | $4,499-81.7% | $4,297-80.8% |