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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 | $58,464 | $29,736+96.6% | $56,033+4.3% | $80,935-27.8% |
| Participation rate | 47.7% | 41.7%+6.0pp | 52.5%-4.8pp | 67.7%-19.9pp |
| Annual return | 9.77% | 35.28%-25.5pp | 1711.38%-1701.6pp | 35.66%-25.9pp |
| Employer contribution / active EE | $726 | $671+8.1% | $1,041-30.3% | $2,757-73.7% |
| Participant deferral / active EE | $3,349 | $1,228+172.6% | $1,954+71.4% | $4,299-22.1% |
| Admin fee / account holder | $979 | $2,434-59.8% | $2,827-65.4% | $6,924-85.9% |