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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 | $24,729 | $29,667-16.6% | $56,441-56.2% | $80,874-69.4% |
| Participation rate | 10.5% | 41.7%-31.1pp | 52.5%-42.0pp | 67.6%-57.1pp |
| Annual return | 7.15% | 35.22%-28.1pp | 1704.21%-1697.1pp | 35.62%-28.5pp |
| Employer contribution / active EE | $414 | $669-38.1% | $1,039-60.1% | $2,756-85.0% |
| Participant deferral / active EE | $1,345 | $1,227+9.6% | $1,953-31.1% | $4,297-68.7% |
| Admin fee / account holder | $671 | $2,429-72.4% | $2,829-76.3% | $6,935-90.3% |