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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 | $44,861 | $27,936+60.6% | $58,561-23.4% | $75,173-40.3% |
| Participation rate | 48.6% | 38.8%+9.8pp | 50.9%-2.2pp | 67.2%-18.6pp |
| Annual return | 12.85% | 44.21%-31.4pp | 4251.33%-4238.5pp | 160.72%-147.9pp |
| Employer contribution / active EE | $308 | $670-53.9% | $1,053-70.7% | $2,671-88.5% |
| Participant deferral / active EE | $2,008 | $1,202+67.0% | $1,923+4.4% | $4,126-51.3% |
| Admin fee / account holder | $2,484 | $1,727+43.9% | $2,520-1.4% | $5,651-56.0% |