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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 | $38,954 | $29,051+34.1% | $52,425-25.7% | $67,986-42.7% |
| Participation rate | 44.6% | 30.4%+14.1pp | 55.6%-11.1pp | 57.2%-12.7pp |
| Annual return | 13.16% | 24.00%-10.8pp | 302.12%-289.0pp | 31.67%-18.5pp |
| Employer contribution / active EE | $634 | $412+53.9% | $914-30.7% | $2,019-68.6% |
| Participant deferral / active EE | $1,412 | $873+61.8% | $1,790-21.1% | $3,358-57.9% |
| Admin fee / account holder | $665 | $2,113-68.5% | $2,495-73.3% | $3,203-79.2% |