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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 | $21,842 | $29,667-26.4% | $56,441-61.3% | $80,874-73.0% |
| Participation rate | 61.8% | 41.7%+20.1pp | 52.5%+9.3pp | 67.6%-5.9pp |
| Annual return | 9.08% | 35.22%-26.1pp | 1704.21%-1695.1pp | 35.62%-26.5pp |
| Employer contribution / active EE | $732 | $669+9.3% | $1,039-29.6% | $2,756-73.5% |
| Participant deferral / active EE | $1,574 | $1,227+28.3% | $1,953-19.4% | $4,297-63.4% |
| Admin fee / account holder | $911 | $2,429-62.5% | $2,829-67.8% | $6,935-86.9% |