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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 | $83,638 | $58,241+43.6% | $81,780+2.3% | $80,911+3.4% |
| Participation rate | 52.0% | 63.4%-11.4pp | 72.4%-20.4pp | 67.6%-15.6pp |
| Annual return | 10.51% | 41.73%-31.2pp | 776.27%-765.8pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,431 | $2,343-38.9% | $2,914-50.9% | $2,756-48.1% |
| Participant deferral / active EE | $3,271 | $3,283-0.4% | $4,321-24.3% | $4,297-23.9% |
| Admin fee / account holder | $5,475 | $4,973+10.1% | $7,384-25.9% | $6,935-21.0% |