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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 | $34,848 | $47,105-26.0% | $68,368-49.0% | $67,986-48.7% |
| Participation rate | 62.4% | 51.8%+10.6pp | 73.8%-11.4pp | 57.2%+5.2pp |
| Annual return | 10.45% | 48.37%-37.9pp | 292.57%-282.1pp | 31.67%-21.2pp |
| Employer contribution / active EE | $1,404 | $1,859-24.5% | $2,649-47.0% | $2,019-30.5% |
| Participant deferral / active EE | $2,602 | $2,374+9.6% | $4,123-36.9% | $3,358-22.5% |
| Admin fee / account holder | $433 | $2,435-82.2% | $5,150-91.6% | $3,203-86.5% |