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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 | $14,457 | $29,716-51.3% | $56,077-74.2% | $80,925-82.1% |
| Participation rate | 51.9% | 41.7%+10.2pp | 52.5%-0.6pp | 67.7%-15.8pp |
| Annual return | 10.15% | 35.30%-25.2pp | 1709.28%-1699.1pp | 35.65%-25.5pp |
| Employer contribution / active EE | $637 | $671-5.1% | $1,040-38.8% | $2,756-76.9% |
| Participant deferral / active EE | $1,551 | $1,228+26.3% | $1,954-20.6% | $4,299-63.9% |
| Admin fee / account holder | $3,101 | $2,432+27.5% | $2,825+9.8% | $6,940-55.3% |