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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 | $55,329 | $50,554+9.4% | $67,681-18.3% | $87,485-36.8% |
| Participation rate | 35.4% | 67.7%-32.3pp | 73.7%-38.3pp | 68.9%-33.5pp |
| Annual return | 8.08% | 17.81%-9.7pp | 590.58%-582.5pp | 26.06%-18.0pp |
| Employer contribution / active EE | $530 | $1,988-73.4% | $2,678-80.2% | $2,596-79.6% |
| Participant deferral / active EE | $2,373 | $2,961-19.9% | $3,976-40.3% | $4,274-44.5% |
| Admin fee / account holder | $2,870 | $4,132-30.5% | $6,100-52.9% | $7,775-63.1% |