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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 | $27,822 | $27,936-0.4% | $58,561-52.5% | $75,173-63.0% |
| Participation rate | 12.8% | 38.8%-26.1pp | 50.9%-38.1pp | 67.2%-54.4pp |
| Annual return | 14.63% | 44.21%-29.6pp | 4251.33%-4236.7pp | 160.72%-146.1pp |
| Employer contribution / active EE | $520 | $670-22.3% | $1,053-50.6% | $2,671-80.5% |
| Participant deferral / active EE | $1,676 | $1,202+39.5% | $1,923-12.8% | $4,126-59.4% |
| Admin fee / account holder | $2,044 | $1,727+18.4% | $2,520-18.9% | $5,651-63.8% |