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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 | $79,349 | $43,730+81.5% | $66,674+19.0% | $64,097+23.8% |
| Participation rate | 20.0% | 50.7%-30.7pp | 73.7%-53.7pp | 55.2%-35.2pp |
| Annual return | 11.84% | 53.62%-41.8pp | 321.24%-309.4pp | 34.64%-22.8pp |
| Employer contribution / active EE | $628 | $1,673-62.5% | $2,620-76.0% | $1,891-66.8% |
| Participant deferral / active EE | $1,030 | $2,122-51.5% | $4,084-74.8% | $3,080-66.6% |
| Admin fee / account holder | $10,350 | $2,708+282.3% | $5,098+103.0% | $3,454+199.6% |