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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 | $47,274 | $52,507-10.0% | $129,406-63.5% | $74,478-36.5% |
| Participation rate | 62.4% | 53.9%+8.5pp | 69.6%-7.3pp | 67.2%-4.8pp |
| Annual return | 11.35% | 15.64%-4.3pp | 9468.18%-9456.8pp | 1370.56%-1359.2pp |
| Employer contribution / active EE | $936 | $1,534-39.0% | $4,155-77.5% | $2,626-64.3% |
| Participant deferral / active EE | $1,775 | $2,801-36.6% | $4,167-57.4% | $4,350-59.2% |
| Admin fee / account holder | $942 | $2,639-64.3% | $7,689-87.8% | $1,946-51.6% |