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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 | $61,221 | $29,736+105.9% | $56,033+9.3% | $80,935-24.4% |
| Participation rate | 25.0% | 41.7%-16.7pp | 52.5%-27.5pp | 67.7%-42.7pp |
| Annual return | 9.45% | 35.28%-25.8pp | 1711.38%-1701.9pp | 35.66%-26.2pp |
| Employer contribution / active EE | $1,073 | $671+59.7% | $1,041+3.0% | $2,757-61.1% |
| Participant deferral / active EE | $1,274 | $1,228+3.7% | $1,954-34.8% | $4,299-70.4% |
| Admin fee / account holder | $1,737 | $2,434-28.6% | $2,827-38.6% | $6,924-74.9% |