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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 | $27,070 | $29,319-7.7% | $52,425-48.4% | $82,448-67.2% |
| Participation rate | 63.2% | 46.9%+16.3pp | 55.6%+7.5pp | 68.1%-4.9pp |
| Annual return | 6.89% | 535.20%-528.3pp | 302.12%-295.2pp | 41.64%-34.7pp |
| Employer contribution / active EE | $1,552 | $586+164.6% | $914+69.8% | $2,551-39.2% |
| Participant deferral / active EE | $1,417 | $1,171+21.0% | $1,790-20.9% | $4,139-65.8% |
| Admin fee / account holder | $1,613 | $1,962-17.8% | $2,495-35.3% | $7,234-77.7% |