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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 | $12,345 | $30,423-59.4% | $56,025-78.0% | $74,478-83.4% |
| Participation rate | 22.0% | 32.9%-10.9pp | 52.5%-30.5pp | 67.2%-45.2pp |
| Annual return | 10.55% | 24.97%-14.4pp | 1712.69%-1702.1pp | 1370.56%-1360.0pp |
| Employer contribution / active EE | $345 | $610-43.5% | $1,042-66.9% | $2,626-86.9% |
| Participant deferral / active EE | $537 | $1,176-54.4% | $1,955-72.5% | $4,350-87.7% |
| Admin fee / account holder | $1,160 | $2,363-50.9% | $2,828-59.0% | $1,946-40.4% |