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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 | $85,515 | $115,796-26.2% | $101,264-15.6% | $158,950-46.2% |
| Participation rate | 62.5% | 79.4%-16.9pp | 75.8%-13.3pp | 82.0%-19.5pp |
| Annual return | 5.80% | 56.15%-50.4pp | 46.48%-40.7pp | 302.91%-297.1pp |
| Employer contribution / active EE | $1,415 | $4,175-66.1% | $3,660-61.3% | $4,762-70.3% |
| Participant deferral / active EE | $2,789 | $4,958-43.7% | $4,370-36.2% | $5,983-53.4% |
| Admin fee / account holder | $530 | $7,247-92.7% | $5,947-91.1% | $11,248-95.3% |