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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 | $20,029 | $48,364-58.6% | $71,796-72.1% | $62,881-68.1% |
| Participation rate | 50.0% | 60.6%-10.6pp | 69.1%-19.1pp | 69.3%-19.3pp |
| Annual return | 4.66% | 13.16%-8.5pp | 78.04%-73.4pp | 20.14%-15.5pp |
| Employer contribution / active EE | $427 | $1,042-59.1% | $1,924-77.8% | $2,281-81.3% |
| Participant deferral / active EE | $2,145 | $2,091+2.6% | $2,794-23.2% | $3,203-33.0% |
| Admin fee / account holder | $777 | $3,771-79.4% | $4,815-83.9% | $4,296-81.9% |