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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 | $36,545 | $27,800+31.5% | $58,561-37.6% | $71,511-48.9% |
| Participation rate | 18.5% | 34.6%-16.1pp | 50.9%-32.4pp | 67.9%-49.4pp |
| Annual return | 13.57% | 26.80%-13.2pp | 4251.33%-4237.8pp | 28.86%-15.3pp |
| Employer contribution / active EE | $195 | $632-69.1% | $1,053-81.4% | $2,589-92.5% |
| Participant deferral / active EE | $547 | $1,208-54.7% | $1,923-71.6% | $4,291-87.2% |
| Admin fee / account holder | $1,977 | $1,637+20.7% | $2,520-21.6% | $1,588+24.4% |