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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 | $52,568 | $39,028+34.7% | $80,741-34.9% | $85,856-38.8% |
| Participation rate | 63.9% | 41.6%+22.3pp | 54.2%+9.7pp | 69.3%-5.4pp |
| Annual return | 6.66% | 26.31%-19.7pp | 87.30%-80.6pp | 318.58%-311.9pp |
| Employer contribution / active EE | $745 | $722+3.2% | $1,160-35.8% | $2,565-71.0% |
| Participant deferral / active EE | $2,131 | $1,326+60.7% | $2,145-0.7% | $3,952-46.1% |
| Admin fee / account holder | $4,314 | $2,429+77.6% | $3,380+27.6% | $6,261-31.1% |