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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 | $40,024 | $29,667+34.9% | $56,441-29.1% | $80,874-50.5% |
| Participation rate | 51.6% | 41.7%+9.9pp | 52.5%-0.9pp | 67.6%-16.0pp |
| Annual return | 9.89% | 35.22%-25.3pp | 1704.21%-1694.3pp | 35.62%-25.7pp |
| Employer contribution / active EE | $236 | $669-64.8% | $1,039-77.3% | $2,756-91.4% |
| Participant deferral / active EE | $2,485 | $1,227+102.6% | $1,953+27.2% | $4,297-42.2% |
| Admin fee / account holder | $825 | $2,429-66.0% | $2,829-70.8% | $6,935-88.1% |