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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 | $41,859 | $30,437+37.5% | $56,033-25.3% | $74,459-43.8% |
| Participation rate | 35.5% | 32.9%+2.7pp | 52.5%-17.0pp | 67.2%-31.7pp |
| Annual return | 10.02% | 24.96%-14.9pp | 1711.38%-1701.4pp | 1369.70%-1359.7pp |
| Employer contribution / active EE | $936 | $610+53.5% | $1,041-10.1% | $2,626-64.4% |
| Participant deferral / active EE | $1,319 | $1,176+12.2% | $1,954-32.5% | $4,350-69.7% |
| Admin fee / account holder | $1,929 | $2,363-18.4% | $2,827-31.8% | $1,945-0.8% |