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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 | $57,669 | $160,028-64.0% | $147,080-60.8% | $145,884-60.5% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 7.69% | 98.60%-90.9pp | 420.17%-412.5pp | 551.85%-544.2pp |
| Employer contribution / active EE | $1,977 | $5,286-62.6% | $4,933-59.9% | $4,662-57.6% |
| Participant deferral / active EE | $3,916 | $8,422-53.5% | $8,066-51.5% | $6,690-41.5% |
| Admin fee / account holder | $11,730 | $15,030-22.0% | $12,989-9.7% | $13,392-12.4% |