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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 | $40,671 | $34,316+18.5% | $74,723-45.6% | $72,976-44.3% |
| Participation rate | 30.0% | 42.4%-12.4pp | 54.5%-24.5pp | 69.5%-39.5pp |
| Annual return | 16.91% | 26.58%-9.7pp | 753.18%-736.3pp | 81.02%-64.1pp |
| Employer contribution / active EE | $544 | $692-21.4% | $1,084-49.8% | $2,440-77.7% |
| Participant deferral / active EE | $1,976 | $1,272+55.4% | $1,962+0.7% | $3,608-45.2% |
| Admin fee / account holder | $1,813 | $2,125-14.7% | $3,335-45.6% | $5,124-64.6% |