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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 | $29,733+34.6% | $56,025-28.6% | $80,959-50.6% |
| Participation rate | 51.6% | 41.7%+9.9pp | 52.5%-0.9pp | 67.7%-16.1pp |
| Annual return | 9.89% | 35.28%-25.4pp | 1712.69%-1702.8pp | 35.67%-25.8pp |
| Employer contribution / active EE | $236 | $672-64.9% | $1,042-77.4% | $2,757-91.4% |
| Participant deferral / active EE | $2,485 | $1,229+102.1% | $1,955+27.1% | $4,300-42.2% |
| Admin fee / account holder | $825 | $2,434-66.1% | $2,828-70.8% | $6,925-88.1% |