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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 | $43,831 | $58,311-24.8% | $81,882-46.5% | $80,959-45.9% |
| Participation rate | 64.9% | 63.5%+1.4pp | 72.4%-7.5pp | 67.7%-2.8pp |
| Annual return | 10.10% | 41.85%-31.7pp | 779.47%-769.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,670 | $2,347-28.9% | $2,916-42.7% | $2,757-39.4% |
| Participant deferral / active EE | $1,934 | $3,287-41.2% | $4,323-55.3% | $4,300-55.0% |
| Admin fee / account holder | $4,885 | $4,752+2.8% | $7,360-33.6% | $6,925-29.5% |