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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 | $11,293 | $29,736-62.0% | $56,033-79.8% | $80,935-86.0% |
| Participation rate | 53.1% | 41.7%+11.4pp | 52.5%+0.6pp | 67.7%-14.5pp |
| Annual return | 7.95% | 35.28%-27.3pp | 1711.38%-1703.4pp | 35.66%-27.7pp |
| Employer contribution / active EE | $240 | $671-64.2% | $1,041-76.9% | $2,757-91.3% |
| Participant deferral / active EE | $2,768 | $1,228+125.4% | $1,954+41.7% | $4,299-35.6% |
| Admin fee / account holder | $575 | $2,434-76.4% | $2,827-79.7% | $6,924-91.7% |