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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 | $85,344 | $58,726+45.3% | $142,898-40.3% | $85,847-0.6% |
| Participation rate | 64.0% | 58.5%+5.5pp | 72.0%-8.0pp | 69.3%-5.3pp |
| Annual return | 11.49% | 27.73%-16.2pp | 5639.64%-5628.2pp | 318.61%-307.1pp |
| Employer contribution / active EE | $1,949 | $1,424+36.9% | $4,146-53.0% | $2,565-24.0% |
| Participant deferral / active EE | $3,507 | $2,609+34.5% | $3,838-8.6% | $3,952-11.3% |
| Admin fee / account holder | $823 | $4,234-80.6% | $6,560-87.5% | $6,261-86.9% |