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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 | $25,342 | $34,316-26.2% | $74,722-66.1% | $72,975-65.3% |
| Participation rate | 50.9% | 42.4%+8.5pp | 54.5%-3.6pp | 69.5%-18.6pp |
| Annual return | 17.38% | 26.58%-9.2pp | 753.11%-735.7pp | 81.01%-63.6pp |
| Employer contribution / active EE | $917 | $692+32.5% | $1,084-15.4% | $2,440-62.4% |
| Participant deferral / active EE | $2,045 | $1,272+60.8% | $1,963+4.2% | $3,608-43.3% |
| Admin fee / account holder | $2,077 | $2,125-2.2% | $3,335-37.7% | $5,124-59.5% |