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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 | $39,858 | $27,936+42.7% | $58,561-31.9% | $75,173-47.0% |
| Participation rate | 64.5% | 38.8%+25.7pp | 50.9%+13.6pp | 67.2%-2.7pp |
| Annual return | 7.43% | 44.21%-36.8pp | 4251.33%-4243.9pp | 160.72%-153.3pp |
| Employer contribution / active EE | $870 | $670+29.9% | $1,053-17.5% | $2,671-67.4% |
| Participant deferral / active EE | $2,455 | $1,202+104.3% | $1,923+27.7% | $4,126-40.5% |
| Admin fee / account holder | $1,837 | $1,727+6.4% | $2,520-27.1% | $5,651-67.5% |