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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 | $27,070 | $29,716-8.9% | $56,077-51.7% | $80,925-66.5% |
| Participation rate | 59.0% | 41.7%+17.3pp | 52.5%+6.5pp | 67.7%-8.7pp |
| Annual return | 6.46% | 35.30%-28.8pp | 1709.28%-1702.8pp | 35.65%-29.2pp |
| Employer contribution / active EE | $495 | $671-26.3% | $1,040-52.5% | $2,756-82.1% |
| Participant deferral / active EE | $914 | $1,228-25.6% | $1,954-53.2% | $4,299-78.7% |
| Admin fee / account holder | $2,544 | $2,432+4.6% | $2,825-9.9% | $6,940-63.3% |