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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 | $34,963 | $29,716+17.7% | $56,077-37.7% | $80,925-56.8% |
| Participation rate | 19.3% | 41.7%-22.4pp | 52.5%-33.2pp | 67.7%-48.4pp |
| Annual return | 9.69% | 35.30%-25.6pp | 1709.28%-1699.6pp | 35.65%-26.0pp |
| Employer contribution / active EE | $580 | $671-13.6% | $1,040-44.3% | $2,756-79.0% |
| Participant deferral / active EE | $861 | $1,228-29.9% | $1,954-55.9% | $4,299-80.0% |
| Admin fee / account holder | $5,552 | $2,432+128.3% | $2,825+96.5% | $6,940-20.0% |