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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 | $20,808 | $29,667-29.9% | $56,441-63.1% | $80,874-74.3% |
| Participation rate | 50.5% | 41.7%+8.9pp | 52.5%-1.9pp | 67.6%-17.1pp |
| Annual return | 8.47% | 35.22%-26.8pp | 1704.21%-1695.7pp | 35.62%-27.2pp |
| Employer contribution / active EE | $683 | $669+2.0% | $1,039-34.3% | $2,756-75.2% |
| Participant deferral / active EE | $1,473 | $1,227+20.1% | $1,953-24.6% | $4,297-65.7% |
| Admin fee / account holder | $1,321 | $2,429-45.6% | $2,829-53.3% | $6,935-80.9% |