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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 | $33,089 | $34,316-3.6% | $74,722-55.7% | $72,975-54.7% |
| Participation rate | 55.6% | 42.4%+13.1pp | 54.5%+1.1pp | 69.5%-13.9pp |
| Annual return | 15.66% | 26.58%-10.9pp | 753.11%-737.5pp | 81.01%-65.4pp |
| Employer contribution / active EE | $1,292 | $692+86.7% | $1,084+19.1% | $2,440-47.1% |
| Participant deferral / active EE | $2,261 | $1,272+77.8% | $1,963+15.2% | $3,608-37.3% |
| Admin fee / account holder | $6,100 | $2,125+187.1% | $3,335+82.9% | $5,124+19.0% |