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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 | $27,232 | $30,423-10.5% | $56,025-51.4% | $74,478-63.4% |
| Participation rate | 29.4% | 32.9%-3.5pp | 52.5%-23.1pp | 67.2%-37.9pp |
| Annual return | 10.25% | 24.97%-14.7pp | 1712.69%-1702.4pp | 1370.56%-1360.3pp |
| Employer contribution / active EE | $357 | $610-41.6% | $1,042-65.8% | $2,626-86.4% |
| Participant deferral / active EE | $1,242 | $1,176+5.6% | $1,955-36.5% | $4,350-71.5% |
| Admin fee / account holder | $1,630 | $2,363-31.0% | $2,828-42.4% | $1,946-16.2% |