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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 | $34,848 | $45,900-24.1% | $94,057-63.0% | $64,340-45.8% |
| Participation rate | 62.4% | 50.6%+11.8pp | 73.3%-11.0pp | 55.2%+7.1pp |
| Annual return | 10.45% | 50.47%-40.0pp | 480.62%-470.2pp | 24.14%-13.7pp |
| Employer contribution / active EE | $1,404 | $1,612-12.9% | $2,933-52.1% | $1,862-24.6% |
| Participant deferral / active EE | $2,602 | $2,102+23.8% | $4,709-44.7% | $2,980-12.7% |
| Admin fee / account holder | $433 | $3,143-86.2% | $7,244-94.0% | $3,703-88.3% |