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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 | $24,168 | $48,053-49.7% | $84,628-71.4% | $72,975-66.9% |
| Participation rate | 61.4% | 57.6%+3.8pp | 68.2%-6.9pp | 69.5%-8.1pp |
| Annual return | 15.14% | 37.39%-22.2pp | 258.80%-243.7pp | 81.01%-65.9pp |
| Employer contribution / active EE | $1,129 | $1,602-29.6% | $2,653-57.5% | $2,440-53.8% |
| Participant deferral / active EE | $1,535 | $2,681-42.7% | $3,900-60.6% | $3,608-57.5% |
| Admin fee / account holder | $1,020 | $3,395-70.0% | $4,914-79.2% | $5,124-80.1% |