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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 | $43,730-20.3% | $66,674-47.7% | $64,097-45.6% |
| Participation rate | 62.4% | 50.7%+11.6pp | 73.7%-11.3pp | 55.2%+7.2pp |
| Annual return | 10.45% | 53.62%-43.2pp | 321.24%-310.8pp | 34.64%-24.2pp |
| Employer contribution / active EE | $1,404 | $1,673-16.1% | $2,620-46.4% | $1,891-25.8% |
| Participant deferral / active EE | $2,602 | $2,122+22.7% | $4,084-36.3% | $3,080-15.5% |
| Admin fee / account holder | $433 | $2,708-84.0% | $5,098-91.5% | $3,454-87.5% |