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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 | $8,910 | $23,330-61.8% | $64,489-86.2% | $82,448-89.2% |
| Participation rate | 65.4% | 68.3%-2.9pp | 67.7%-2.3pp | 68.1%-2.7pp |
| Annual return | 12.78% | 83.66%-70.9pp | 55.03%-42.2pp | 41.64%-28.9pp |
| Employer contribution / active EE | $457 | $824-44.6% | $1,523-70.0% | $2,551-82.1% |
| Participant deferral / active EE | $1,795 | $1,707+5.2% | $2,778-35.4% | $4,139-56.6% |
| Admin fee / account holder | $1,506 | $2,946-48.9% | $4,260-64.6% | $7,234-79.2% |