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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 | $69,471 | $47,479+46.3% | $62,929+10.4% | $82,448-15.7% |
| Participation rate | 65.5% | 66.9%-1.4pp | 73.1%-7.6pp | 68.1%-2.6pp |
| Annual return | 10.72% | 20.34%-9.6pp | 1063.93%-1053.2pp | 41.64%-30.9pp |
| Employer contribution / active EE | $345 | $1,885-81.7% | $2,505-86.2% | $2,551-86.5% |
| Participant deferral / active EE | $2,526 | $2,870-12.0% | $3,888-35.0% | $4,139-39.0% |
| Admin fee / account holder | $8,265 | $3,804+117.3% | $5,065+63.2% | $7,234+14.3% |