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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 | $45,044 | $60,139-25.1% | $90,461-50.2% | $79,856-43.6% |
| Participation rate | 60.0% | 65.0%-5.0pp | 72.7%-12.7pp | 69.6%-9.6pp |
| Annual return | 3.41% | 71.96%-68.5pp | 1294.76%-1291.4pp | 31.71%-28.3pp |
| Employer contribution / active EE | $1,369 | $2,069-33.8% | $3,264-58.1% | $2,471-44.6% |
| Participant deferral / active EE | $3,539 | $2,939+20.4% | $3,964-10.7% | $3,741-5.4% |
| Admin fee / account holder | $7,721 | $3,978+94.1% | $5,617+37.5% | $5,306+45.5% |