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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 | $24,300 | $23,330+4.2% | $64,489-62.3% | $82,448-70.5% |
| Participation rate | 14.4% | 68.3%-53.9pp | 67.7%-53.3pp | 68.1%-53.6pp |
| Annual return | 4.81% | 83.66%-78.8pp | 55.03%-50.2pp | 41.64%-36.8pp |
| Employer contribution / active EE | $557 | $824-32.5% | $1,523-63.5% | $2,551-78.2% |
| Participant deferral / active EE | $1,806 | $1,707+5.8% | $2,778-35.0% | $4,139-56.4% |
| Admin fee / account holder | $2,838 | $2,946-3.7% | $4,260-33.4% | $7,234-60.8% |