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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 | $14,995 | $29,736-49.6% | $56,033-73.2% | $80,935-81.5% |
| Participation rate | 51.4% | 41.7%+9.7pp | 52.5%-1.1pp | 67.7%-16.2pp |
| Annual return | 9.72% | 35.28%-25.6pp | 1711.38%-1701.7pp | 35.66%-25.9pp |
| Employer contribution / active EE | $286 | $671-57.4% | $1,041-72.5% | $2,757-89.6% |
| Participant deferral / active EE | $1,103 | $1,228-10.2% | $1,954-43.6% | $4,299-74.3% |
| Admin fee / account holder | $1,327 | $2,434-45.5% | $2,827-53.1% | $6,924-80.8% |