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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 | $39,404 | $30,421+29.5% | $56,077-29.7% | $74,429-47.1% |
| Participation rate | 22.2% | 32.9%-10.6pp | 52.5%-30.3pp | 67.2%-45.0pp |
| Annual return | 7.90% | 24.94%-17.0pp | 1709.28%-1701.4pp | 1368.38%-1360.5pp |
| Employer contribution / active EE | $343 | $610-43.7% | $1,040-67.0% | $2,625-86.9% |
| Participant deferral / active EE | $1,245 | $1,175+6.0% | $1,954-36.3% | $4,348-71.4% |
| Admin fee / account holder | $4,513 | $2,363+91.0% | $2,825+59.8% | $1,944+132.1% |