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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 | $19,759 | $45,343-56.4% | $150,298-86.9% | $67,986-70.9% |
| Participation rate | 65.4% | 51.9%+13.6pp | 77.8%-12.3pp | 57.2%+8.2pp |
| Annual return | 10.87% | 33.28%-22.4pp | 62.79%-51.9pp | 31.67%-20.8pp |
| Employer contribution / active EE | $1,616 | $1,462+10.6% | $4,154-61.1% | $2,019-19.9% |
| Participant deferral / active EE | $937 | $2,055-54.4% | $5,453-82.8% | $3,358-72.1% |
| Admin fee / account holder | $2,127 | $2,250-5.5% | $14,116-84.9% | $3,203-33.6% |