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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 | $42,929 | $48,053-10.7% | $84,628-49.3% | $72,975-41.2% |
| Participation rate | 63.0% | 57.6%+5.4pp | 68.2%-5.3pp | 69.5%-6.5pp |
| Annual return | 2.93% | 37.39%-34.5pp | 258.80%-255.9pp | 81.01%-78.1pp |
| Employer contribution / active EE | $1,502 | $1,602-6.2% | $2,653-43.4% | $2,440-38.4% |
| Participant deferral / active EE | $2,311 | $2,681-13.8% | $3,900-40.7% | $3,608-35.9% |
| Admin fee / account holder | $17,479 | $3,395+414.8% | $4,914+255.7% | $5,124+241.1% |