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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 | $24,870 | $34,316-27.5% | $74,723-66.7% | $72,976-65.9% |
| Participation rate | 48.3% | 42.4%+5.9pp | 54.5%-6.2pp | 69.5%-21.2pp |
| Annual return | 11.78% | 26.58%-14.8pp | 753.18%-741.4pp | 81.02%-69.2pp |
| Employer contribution / active EE | $962 | $692+39.1% | $1,084-11.2% | $2,440-60.6% |
| Participant deferral / active EE | $2,191 | $1,272+72.3% | $1,962+11.7% | $3,608-39.3% |
| Admin fee / account holder | $974 | $2,125-54.2% | $3,335-70.8% | $5,124-81.0% |