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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 | $42,751 | $58,275-26.6% | $81,844-47.8% | $80,935-47.2% |
| Participation rate | 65.6% | 63.5%+2.2pp | 72.4%-6.8pp | 67.7%-2.0pp |
| Annual return | 9.84% | 41.82%-32.0pp | 778.87%-769.0pp | 35.66%-25.8pp |
| Employer contribution / active EE | $869 | $2,346-63.0% | $2,916-70.2% | $2,757-68.5% |
| Participant deferral / active EE | $1,175 | $3,285-64.2% | $4,323-72.8% | $4,299-72.7% |
| Admin fee / account holder | $1,148 | $4,749-75.8% | $7,355-84.4% | $6,924-83.4% |