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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 | $38,327 | $52,581-27.1% | $130,788-70.7% | $64,340-40.4% |
| Participation rate | 56.7% | 46.5%+10.1pp | 70.1%-13.4pp | 55.2%+1.4pp |
| Annual return | 11.66% | 20.39%-8.7pp | 386.44%-374.8pp | 24.14%-12.5pp |
| Employer contribution / active EE | $371 | $1,031-64.0% | $3,558-89.6% | $1,862-80.1% |
| Participant deferral / active EE | $1,525 | $2,200-30.7% | $4,137-63.1% | $2,980-48.8% |
| Admin fee / account holder | $2,172 | $4,583-52.6% | $6,673-67.5% | $3,703-41.3% |