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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 | $11,276 | $27,936-59.6% | $58,561-80.7% | $75,173-85.0% |
| Participation rate | 24.0% | 38.8%-14.8pp | 50.9%-26.9pp | 67.2%-43.2pp |
| Annual return | 11.66% | 44.21%-32.6pp | 4251.33%-4239.7pp | 160.72%-149.1pp |
| Employer contribution / active EE | $340 | $670-49.2% | $1,053-67.7% | $2,671-87.3% |
| Participant deferral / active EE | $391 | $1,202-67.5% | $1,923-79.7% | $4,126-90.5% |
| Admin fee / account holder | $748 | $1,727-56.7% | $2,520-70.3% | $5,651-86.8% |