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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 | $12,235 | $43,730-72.0% | $66,674-81.6% | $64,097-80.9% |
| Participation rate | 22.2% | 50.7%-28.5pp | 73.7%-51.5pp | 55.2%-33.0pp |
| Annual return | 11.18% | 53.62%-42.4pp | 321.24%-310.1pp | 34.64%-23.5pp |
| Employer contribution / active EE | $0 | $1,673-100.0% | $2,620-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $621 | $2,122-70.7% | $4,084-84.8% | $3,080-79.8% |
| Admin fee / account holder | $1,430 | $2,708-47.2% | $5,098-72.0% | $3,454-58.6% |