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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 | $38,232 | $58,726-34.9% | $142,898-73.2% | $85,851-55.5% |
| Participation rate | 62.5% | 58.5%+4.0pp | 72.0%-9.5pp | 69.3%-6.8pp |
| Annual return | 11.76% | 27.73%-16.0pp | 5639.64%-5627.9pp | 318.63%-306.9pp |
| Employer contribution / active EE | $732 | $1,424-48.6% | $4,146-82.3% | $2,565-71.5% |
| Participant deferral / active EE | $1,599 | $2,609-38.7% | $3,838-58.4% | $3,952-59.6% |
| Admin fee / account holder | $2,006 | $4,234-52.6% | $6,560-69.4% | $6,261-68.0% |