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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 | $29,153 | $51,642-43.5% | $129,384-77.5% | $80,935-64.0% |
| Participation rate | 65.9% | 56.9%+8.9pp | 69.6%-3.8pp | 67.7%-1.8pp |
| Annual return | 10.46% | 20.78%-10.3pp | 9461.77%-9451.3pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,308 | $1,583-17.4% | $4,153-68.5% | $2,757-52.5% |
| Participant deferral / active EE | $2,184 | $2,670-18.2% | $4,166-47.6% | $4,299-49.2% |
| Admin fee / account holder | $951 | $4,312-77.9% | $7,686-87.6% | $6,924-86.3% |