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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 | $59,591 | $65,862-9.5% | $124,694-52.2% | $79,389-24.9% |
| Participation rate | 57.3% | 62.2%-4.9pp | 74.6%-17.3pp | 70.7%-13.4pp |
| Annual return | 10.42% | 19.02%-8.6pp | 5144.82%-5134.4pp | 116.89%-106.5pp |
| Employer contribution / active EE | $635 | $1,883-66.3% | $3,325-80.9% | $2,428-73.9% |
| Participant deferral / active EE | $1,546 | $2,772-44.2% | $4,615-66.5% | $4,046-61.8% |
| Admin fee / account holder | $2,151 | $673+219.8% | $7,495-71.3% | $626+243.4% |