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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 | $32,272 | $41,150-21.6% | $80,627-60.0% | $71,511-54.9% |
| Participation rate | 55.8% | 50.3%+5.5pp | 67.0%-11.2pp | 67.9%-12.1pp |
| Annual return | 10.67% | 38.48%-27.8pp | 936.76%-926.1pp | 28.86%-18.2pp |
| Employer contribution / active EE | $803 | $1,515-47.0% | $2,723-70.5% | $2,589-69.0% |
| Participant deferral / active EE | $1,304 | $2,701-51.7% | $4,443-70.6% | $4,291-69.6% |
| Admin fee / account holder | $1,161 | $1,841-36.9% | $5,381-78.4% | $1,588-26.9% |