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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 | $41,904 | $31,105+34.7% | $53,647-21.9% | $64,097-34.6% |
| Participation rate | 36.0% | 30.7%+5.3pp | 56.3%-20.3pp | 55.2%-19.2pp |
| Annual return | 12.89% | 22.54%-9.7pp | 358.33%-345.4pp | 34.64%-21.8pp |
| Employer contribution / active EE | $798 | $441+81.2% | $962-17.0% | $1,891-57.8% |
| Participant deferral / active EE | $1,507 | $896+68.1% | $1,813-16.9% | $3,080-51.1% |
| Admin fee / account holder | $1,797 | $2,195-18.2% | $2,460-27.0% | $3,454-48.0% |