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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 | $24,418 | $51,638-52.7% | $68,368-64.3% | $82,448-70.4% |
| Participation rate | 67.7% | 63.6%+4.1pp | 73.8%-6.0pp | 68.1%-0.3pp |
| Annual return | 12.32% | 37.53%-25.2pp | 292.57%-280.3pp | 41.64%-29.3pp |
| Employer contribution / active EE | $1,652 | $2,047-19.3% | $2,649-37.6% | $2,551-35.2% |
| Participant deferral / active EE | $3,218 | $2,914+10.4% | $4,123-21.9% | $4,139-22.3% |
| Admin fee / account holder | $2,220 | $4,643-52.2% | $5,150-56.9% | $7,234-69.3% |