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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 | $47,384 | $45,566+4.0% | $64,105-26.1% | $59,633-20.5% |
| Participation rate | 63.3% | 60.2%+3.2pp | 68.2%-4.8pp | 68.7%-5.3pp |
| Annual return | -3.56% | 4.95%-8.5pp | 791.24%-794.8pp | 2041.45%-2045.0pp |
| Employer contribution / active EE | $1,122 | $934+20.2% | $1,820-38.3% | $2,203-49.0% |
| Participant deferral / active EE | $4,149 | $2,057+101.7% | $2,822+47.1% | $3,192+30.0% |
| Admin fee / account holder | $1,393 | $3,268-57.4% | $4,499-69.0% | $4,297-67.6% |