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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 | $52,325 | $31,105+68.2% | $53,647-2.5% | $64,097-18.4% |
| Participation rate | 29.3% | 30.7%-1.4pp | 56.3%-27.0pp | 55.2%-25.9pp |
| Annual return | 12.08% | 22.54%-10.5pp | 358.33%-346.2pp | 34.64%-22.6pp |
| Employer contribution / active EE | $0 | $441-100.0% | $962-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,159 | $896+29.3% | $1,813-36.1% | $3,080-62.4% |
| Admin fee / account holder | $4,209 | $2,195+91.8% | $2,460+71.1% | $3,454+21.8% |