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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 | $26,820 | $30,421-11.8% | $56,077-52.2% | $74,429-64.0% |
| Participation rate | 11.9% | 32.9%-21.0pp | 52.5%-40.6pp | 67.2%-55.3pp |
| Annual return | 4.63% | 24.94%-20.3pp | 1709.28%-1704.6pp | 1368.38%-1363.8pp |
| Employer contribution / active EE | $309 | $610-49.3% | $1,040-70.3% | $2,625-88.2% |
| Participant deferral / active EE | $1,070 | $1,175-9.0% | $1,954-45.3% | $4,348-75.4% |
| Admin fee / account holder | $1,739 | $2,363-26.4% | $2,825-38.4% | $1,944-10.6% |