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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 | $22,190 | $45,152-50.9% | $73,836-69.9% | $59,633-62.8% |
| Participation rate | 61.5% | 64.0%-2.5pp | 73.4%-11.9pp | 68.7%-7.1pp |
| Annual return | -2.77% | 27.40%-30.2pp | 2268.06%-2270.8pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $1,407 | $1,901-26.0% | $2,787-49.5% | $2,203-36.1% |
| Participant deferral / active EE | $2,783 | $2,573+8.2% | $3,583-22.3% | $3,192-12.8% |
| Admin fee / account holder | $716 | $3,515-79.6% | $4,882-85.3% | $4,297-83.3% |