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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 | $51,245 | $45,566+12.5% | $64,105-20.1% | $59,633-14.1% |
| Participation rate | 60.0% | 60.2%-0.2pp | 68.2%-8.2pp | 68.7%-8.7pp |
| Annual return | -5.69% | 4.95%-10.6pp | 791.24%-796.9pp | 2041.45%-2047.1pp |
| Employer contribution / active EE | $401 | $934-57.0% | $1,820-77.9% | $2,203-81.8% |
| Participant deferral / active EE | $2,882 | $2,057+40.1% | $2,822+2.1% | $3,192-9.7% |
| Admin fee / account holder | $3,583 | $3,268+9.7% | $4,499-20.4% | $4,297-16.6% |