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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 | $18,285 | $27,936-34.5% | $58,561-68.8% | $75,173-75.7% |
| Participation rate | 45.7% | 38.8%+6.9pp | 50.9%-5.2pp | 67.2%-21.5pp |
| Annual return | 12.58% | 44.21%-31.6pp | 4251.33%-4238.7pp | 160.72%-148.1pp |
| Employer contribution / active EE | $1,017 | $670+51.9% | $1,053-3.4% | $2,671-61.9% |
| Participant deferral / active EE | $1,427 | $1,202+18.8% | $1,923-25.8% | $4,126-65.4% |
| Admin fee / account holder | $10,876 | $1,727+529.8% | $2,520+331.5% | $5,651+92.5% |