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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 | $32,363 | $27,936+15.8% | $58,561-44.7% | $75,173-56.9% |
| Participation rate | 67.5% | 38.8%+28.7pp | 50.9%+16.6pp | 67.2%+0.3pp |
| Annual return | 12.92% | 44.21%-31.3pp | 4251.33%-4238.4pp | 160.72%-147.8pp |
| Employer contribution / active EE | $1,303 | $670+94.6% | $1,053+23.6% | $2,671-51.2% |
| Participant deferral / active EE | $3,268 | $1,202+171.9% | $1,923+70.0% | $4,126-20.8% |
| Admin fee / account holder | $771 | $1,727-55.3% | $2,520-69.4% | $5,651-86.4% |