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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 | $70,441 | $45,152+56.0% | $73,836-4.6% | $59,633+18.1% |
| Participation rate | 62.3% | 64.0%-1.8pp | 73.4%-11.2pp | 68.7%-6.4pp |
| Annual return | -4.10% | 27.40%-31.5pp | 2268.06%-2272.2pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $2,644 | $1,901+39.0% | $2,787-5.2% | $2,203+20.0% |
| Participant deferral / active EE | $3,677 | $2,573+42.9% | $3,583+2.6% | $3,192+15.2% |
| Admin fee / account holder | $1,705 | $3,515-51.5% | $4,882-65.1% | $4,297-60.3% |