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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 | $45,582 | $31,105+46.5% | $53,647-15.0% | $64,097-28.9% |
| Participation rate | 34.7% | 30.7%+4.0pp | 56.3%-21.6pp | 55.2%-20.5pp |
| Annual return | 13.47% | 22.54%-9.1pp | 358.33%-344.9pp | 34.64%-21.2pp |
| Employer contribution / active EE | $599 | $441+35.9% | $962-37.8% | $1,891-68.3% |
| Participant deferral / active EE | $941 | $896+5.0% | $1,813-48.1% | $3,080-69.4% |
| Admin fee / account holder | $3,510 | $2,195+59.9% | $2,460+42.7% | $3,454+1.6% |