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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 | $83,830 | $111,878-25.1% | $93,727-10.6% | $145,897-42.5% |
| Participation rate | 52.6% | 74.2%-21.6pp | 68.7%-16.1pp | 80.3%-27.7pp |
| Annual return | 6.77% | 204.28%-197.5pp | 133.83%-127.1pp | 552.29%-545.5pp |
| Employer contribution / active EE | $1,096 | $3,092-64.6% | $2,421-54.7% | $4,663-76.5% |
| Participant deferral / active EE | $2,138 | $4,920-56.6% | $4,417-51.6% | $6,689-68.0% |
| Admin fee / account holder | $933 | $10,256-90.9% | $8,292-88.7% | $13,390-93.0% |