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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 | $37,753 | $34,316+10.0% | $74,722-49.5% | $72,975-48.3% |
| Participation rate | 52.6% | 42.4%+10.2pp | 54.5%-1.9pp | 69.5%-16.9pp |
| Annual return | 16.61% | 26.58%-10.0pp | 753.11%-736.5pp | 81.01%-64.4pp |
| Employer contribution / active EE | $282 | $692-59.2% | $1,084-73.9% | $2,440-88.4% |
| Participant deferral / active EE | $1,130 | $1,272-11.1% | $1,963-42.4% | $3,608-68.7% |
| Admin fee / account holder | $2,684 | $2,125+26.3% | $3,335-19.5% | $5,124-47.6% |