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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 | $87,356 | $65,555+33.3% | $86,216+1.3% | $75,173+16.2% |
| Participation rate | 61.7% | 60.5%+1.2pp | 69.0%-7.3pp | 67.2%-5.5pp |
| Annual return | 11.09% | 46.07%-35.0pp | 1169.42%-1158.3pp | 160.72%-149.6pp |
| Employer contribution / active EE | $576 | $1,553-62.9% | $2,382-75.8% | $2,671-78.4% |
| Participant deferral / active EE | $4,106 | $3,023+35.8% | $3,986+3.0% | $4,126-0.5% |
| Admin fee / account holder | $1,797 | $5,469-67.1% | $6,853-73.8% | $5,651-68.2% |