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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 | $42,807 | $29,733+44.0% | $56,025-23.6% | $80,959-47.1% |
| Participation rate | 43.5% | 41.7%+1.8pp | 52.5%-9.0pp | 67.7%-24.2pp |
| Annual return | 9.22% | 35.28%-26.1pp | 1712.69%-1703.5pp | 35.67%-26.4pp |
| Employer contribution / active EE | $688 | $672+2.4% | $1,042-33.9% | $2,757-75.0% |
| Participant deferral / active EE | $1,745 | $1,229+41.9% | $1,955-10.7% | $4,300-59.4% |
| Admin fee / account holder | $1,048 | $2,434-56.9% | $2,828-63.0% | $6,925-84.9% |