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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 | $46,051 | $27,936+64.8% | $58,561-21.4% | $75,173-38.7% |
| Participation rate | 48.0% | 38.8%+9.2pp | 50.9%-2.9pp | 67.2%-19.2pp |
| Annual return | 11.50% | 44.21%-32.7pp | 4251.33%-4239.8pp | 160.72%-149.2pp |
| Employer contribution / active EE | $1,626 | $670+142.9% | $1,053+54.4% | $2,671-39.1% |
| Participant deferral / active EE | $2,592 | $1,202+115.7% | $1,923+34.8% | $4,126-37.2% |
| Admin fee / account holder | $713 | $1,727-58.7% | $2,520-71.7% | $5,651-87.4% |