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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 | $23,557 | $27,924-15.6% | $58,544-59.8% | $75,181-68.7% |
| Participation rate | 45.2% | 38.8%+6.3pp | 50.9%-5.7pp | 67.2%-22.0pp |
| Annual return | 13.52% | 44.20%-30.7pp | 4249.56%-4236.0pp | 160.69%-147.2pp |
| Employer contribution / active EE | $674 | $669+0.7% | $1,053-36.0% | $2,671-74.8% |
| Participant deferral / active EE | $2,896 | $1,202+141.0% | $1,923+50.6% | $4,126-29.8% |
| Admin fee / account holder | $2,600 | $1,726+50.6% | $2,520+3.2% | $5,650-54.0% |