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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 | $40,312 | $27,924+44.4% | $58,544-31.1% | $75,181-46.4% |
| Participation rate | 64.3% | 38.8%+25.4pp | 50.9%+13.4pp | 67.2%-2.9pp |
| Annual return | 11.70% | 44.20%-32.5pp | 4249.56%-4237.9pp | 160.69%-149.0pp |
| Employer contribution / active EE | $1,707 | $669+155.1% | $1,053+62.1% | $2,671-36.1% |
| Participant deferral / active EE | $3,487 | $1,202+190.2% | $1,923+81.3% | $4,126-15.5% |
| Admin fee / account holder | $2,007 | $1,726+16.3% | $2,520-20.3% | $5,650-64.5% |