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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 | $42,114 | $61,125-31.1% | $94,057-55.2% | $87,485-51.9% |
| Participation rate | 67.5% | 64.1%+3.5pp | 73.3%-5.8pp | 68.9%-1.4pp |
| Annual return | 11.41% | 35.20%-23.8pp | 480.62%-469.2pp | 26.06%-14.7pp |
| Employer contribution / active EE | $718 | $2,136-66.4% | $2,933-75.5% | $2,596-72.4% |
| Participant deferral / active EE | $2,358 | $3,260-27.7% | $4,709-49.9% | $4,274-44.8% |
| Admin fee / account holder | $5,738 | $5,629+1.9% | $7,244-20.8% | $7,775-26.2% |