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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 | $17,959 | $39,028-54.0% | $80,741-77.8% | $85,856-79.1% |
| Participation rate | 60.5% | 41.6%+18.9pp | 54.2%+6.3pp | 69.3%-8.8pp |
| Annual return | 8.81% | 26.31%-17.5pp | 87.30%-78.5pp | 318.58%-309.8pp |
| Employer contribution / active EE | $468 | $722-35.3% | $1,160-59.7% | $2,565-81.8% |
| Participant deferral / active EE | $1,592 | $1,326+20.1% | $2,145-25.8% | $3,952-59.7% |
| Admin fee / account holder | $631 | $2,429-74.0% | $3,380-81.3% | $6,261-89.9% |