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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 | $29,733-26.5% | $56,025-61.0% | $80,959-73.0% |
| Participation rate | 61.8% | 41.7%+20.0pp | 52.5%+9.3pp | 67.7%-5.9pp |
| Annual return | 9.08% | 35.28%-26.2pp | 1712.69%-1703.6pp | 35.67%-26.6pp |
| Employer contribution / active EE | $732 | $672+8.9% | $1,042-29.8% | $2,757-73.5% |
| Participant deferral / active EE | $1,574 | $1,229+28.0% | $1,955-19.5% | $4,300-63.4% |
| Admin fee / account holder | $911 | $2,434-62.6% | $2,828-67.8% | $6,925-86.8% |