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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 | $71,129 | $45,566+56.1% | $64,105+11.0% | $59,633+19.3% |
| Participation rate | 56.0% | 60.2%-4.2pp | 68.2%-12.2pp | 68.7%-12.7pp |
| Annual return | -4.05% | 4.95%-9.0pp | 791.24%-795.3pp | 2041.45%-2045.5pp |
| Employer contribution / active EE | $465 | $934-50.2% | $1,820-74.5% | $2,203-78.9% |
| Participant deferral / active EE | $2,299 | $2,057+11.8% | $2,822-18.5% | $3,192-28.0% |
| Admin fee / account holder | $1,309 | $3,268-59.9% | $4,499-70.9% | $4,297-69.5% |