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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 | $25,878 | $29,736-13.0% | $56,033-53.8% | $80,935-68.0% |
| Participation rate | 35.3% | 41.7%-6.4pp | 52.5%-17.2pp | 67.7%-32.4pp |
| Annual return | 8.99% | 35.28%-26.3pp | 1711.38%-1702.4pp | 35.66%-26.7pp |
| Employer contribution / active EE | $213 | $671-68.3% | $1,041-79.5% | $2,757-92.3% |
| Participant deferral / active EE | $2,088 | $1,228+70.0% | $1,954+6.9% | $4,299-51.4% |
| Admin fee / account holder | $897 | $2,434-63.1% | $2,827-68.3% | $6,924-87.0% |