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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 | $46,594 | $29,733+56.7% | $56,025-16.8% | $80,959-42.4% |
| Participation rate | 41.9% | 41.7%+0.2pp | 52.5%-10.6pp | 67.7%-25.7pp |
| Annual return | 10.51% | 35.28%-24.8pp | 1712.69%-1702.2pp | 35.67%-25.2pp |
| Employer contribution / active EE | $733 | $672+9.2% | $1,042-29.6% | $2,757-73.4% |
| Participant deferral / active EE | $1,689 | $1,229+37.4% | $1,955-13.6% | $4,300-60.7% |
| Admin fee / account holder | $1,226 | $2,434-49.6% | $2,828-56.6% | $6,925-82.3% |