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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 | $28,989 | $29,733-2.5% | $56,025-48.3% | $80,959-64.2% |
| Participation rate | 32.1% | 41.7%-9.6pp | 52.5%-20.4pp | 67.7%-35.5pp |
| Annual return | 10.59% | 35.28%-24.7pp | 1712.69%-1702.1pp | 35.67%-25.1pp |
| Employer contribution / active EE | $654 | $672-2.7% | $1,042-37.2% | $2,757-76.3% |
| Participant deferral / active EE | $1,583 | $1,229+28.7% | $1,955-19.0% | $4,300-63.2% |
| Admin fee / account holder | $1,103 | $2,434-54.7% | $2,828-61.0% | $6,925-84.1% |