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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 | $42,889 | $29,051+47.6% | $52,425-18.2% | $67,986-36.9% |
| Participation rate | 40.4% | 30.4%+10.0pp | 55.6%-15.2pp | 57.2%-16.8pp |
| Annual return | 12.95% | 24.00%-11.0pp | 302.12%-289.2pp | 31.67%-18.7pp |
| Employer contribution / active EE | $674 | $412+63.8% | $914-26.2% | $2,019-66.6% |
| Participant deferral / active EE | $2,284 | $873+161.6% | $1,790+27.6% | $3,358-32.0% |
| Admin fee / account holder | $1,559 | $2,113-26.2% | $2,495-37.5% | $3,203-51.3% |