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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 | $21,822 | $29,051-24.9% | $52,425-58.4% | $67,986-67.9% |
| Participation rate | 12.0% | 30.4%-18.5pp | 55.6%-43.7pp | 57.2%-45.2pp |
| Annual return | 10.76% | 24.00%-13.2pp | 302.12%-291.4pp | 31.67%-20.9pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $443 | $873-49.3% | $1,790-75.3% | $3,358-86.8% |
| Admin fee / account holder | $647 | $2,113-69.4% | $2,495-74.1% | $3,203-79.8% |