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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 | $38,996 | $49,199-20.7% | $121,210-67.8% | $75,177-48.1% |
| Participation rate | 67.6% | 55.4%+12.2pp | 69.5%-1.9pp | 67.2%+0.4pp |
| Annual return | 12.53% | 56.04%-43.5pp | 987.41%-974.9pp | 160.75%-148.2pp |
| Employer contribution / active EE | $871 | $1,547-43.7% | $4,171-79.1% | $2,671-67.4% |
| Participant deferral / active EE | $2,016 | $2,630-23.4% | $4,084-50.6% | $4,126-51.2% |
| Admin fee / account holder | $2,870 | $3,946-27.3% | $5,647-49.2% | $5,651-49.2% |