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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 | $80,068 | $137,414-41.7% | $189,537-57.8% | $85,847-6.7% |
| Participation rate | 59.3% | 84.6%-25.4pp | 87.8%-28.5pp | 69.3%-10.1pp |
| Annual return | 10.63% | 38.14%-27.5pp | 555.34%-544.7pp | 318.61%-308.0pp |
| Employer contribution / active EE | $1,988 | $4,344-54.2% | $6,161-67.7% | $2,565-22.5% |
| Participant deferral / active EE | $3,534 | $6,260-43.5% | $8,220-57.0% | $3,952-10.6% |
| Admin fee / account holder | $18,595 | $8,630+115.5% | $12,048+54.3% | $6,261+197.0% |