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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 | $4,454 | $29,716-85.0% | $56,077-92.1% | $80,925-94.5% |
| Participation rate | 67.7% | 41.7%+26.0pp | 52.5%+15.2pp | 67.7%+0.1pp |
| Annual return | 6.75% | 35.30%-28.6pp | 1709.28%-1702.5pp | 35.65%-28.9pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,040-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,291 | $1,228+5.1% | $1,954-33.9% | $4,299-70.0% |
| Admin fee / account holder | $812 | $2,432-66.6% | $2,825-71.3% | $6,940-88.3% |