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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 | $32,723 | $29,319+11.6% | $52,425-37.6% | $82,448-60.3% |
| Participation rate | 56.0% | 46.9%+9.1pp | 55.6%+0.4pp | 68.1%-12.1pp |
| Annual return | 13.50% | 535.20%-521.7pp | 302.12%-288.6pp | 41.64%-28.1pp |
| Employer contribution / active EE | $525 | $586-10.4% | $914-42.5% | $2,551-79.4% |
| Participant deferral / active EE | $823 | $1,171-29.7% | $1,790-54.0% | $4,139-80.1% |
| Admin fee / account holder | $703 | $1,962-64.2% | $2,495-71.8% | $7,234-90.3% |