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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 | $51,524 | $48,327+6.6% | $67,575-23.8% | $80,935-36.3% |
| Participation rate | 40.0% | 66.4%-26.4pp | 72.9%-32.9pp | 67.7%-27.7pp |
| Annual return | 10.98% | 18.31%-7.3pp | 3528.98%-3518.0pp | 35.66%-24.7pp |
| Employer contribution / active EE | $700 | $2,022-65.4% | $2,736-74.4% | $2,757-74.6% |
| Participant deferral / active EE | $1,054 | $2,927-64.0% | $4,003-73.7% | $4,299-75.5% |
| Admin fee / account holder | $3,739 | $3,692+1.3% | $3,993-6.4% | $6,924-46.0% |