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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 | $22,664 | $29,736-23.8% | $56,033-59.6% | $80,935-72.0% |
| Participation rate | 55.6% | 41.7%+13.9pp | 52.5%+3.1pp | 67.7%-12.1pp |
| Annual return | 9.44% | 35.28%-25.8pp | 1711.38%-1701.9pp | 35.66%-26.2pp |
| Employer contribution / active EE | $568 | $671-15.4% | $1,041-45.5% | $2,757-79.4% |
| Participant deferral / active EE | $2,997 | $1,228+144.0% | $1,954+53.4% | $4,299-30.3% |
| Admin fee / account holder | $1,966 | $2,434-19.2% | $2,827-30.4% | $6,924-71.6% |