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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 | $24,419 | $29,736-17.9% | $56,033-56.4% | $80,935-69.8% |
| Participation rate | 43.9% | 41.7%+2.2pp | 52.5%-8.6pp | 67.7%-23.8pp |
| Annual return | 8.81% | 35.28%-26.5pp | 1711.38%-1702.6pp | 35.66%-26.8pp |
| Employer contribution / active EE | $268 | $671-60.1% | $1,041-74.2% | $2,757-90.3% |
| Participant deferral / active EE | $861 | $1,228-29.9% | $1,954-55.9% | $4,299-80.0% |
| Admin fee / account holder | $544 | $2,434-77.6% | $2,827-80.8% | $6,924-92.1% |