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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 | $35,282 | $30,421+16.0% | $56,077-37.1% | $74,429-52.6% |
| Participation rate | 41.8% | 32.9%+8.9pp | 52.5%-10.7pp | 67.2%-25.4pp |
| Annual return | 9.88% | 24.94%-15.1pp | 1709.28%-1699.4pp | 1368.38%-1358.5pp |
| Employer contribution / active EE | $678 | $610+11.2% | $1,040-34.8% | $2,625-74.2% |
| Participant deferral / active EE | $2,487 | $1,175+111.7% | $1,954+27.3% | $4,348-42.8% |
| Admin fee / account holder | $3,272 | $2,363+38.5% | $2,825+15.8% | $1,944+68.3% |