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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 | $44,387 | $29,507+50.4% | $56,025-20.8% | $77,762-42.9% |
| Participation rate | 13.1% | 32.7%-19.6pp | 52.5%-39.4pp | 70.6%-57.5pp |
| Annual return | 7.97% | 18.90%-10.9pp | 1712.69%-1704.7pp | 31.27%-23.3pp |
| Employer contribution / active EE | $260 | $570-54.4% | $1,042-75.1% | $2,728-90.5% |
| Participant deferral / active EE | $410 | $1,062-61.4% | $1,955-79.0% | $4,651-91.2% |
| Admin fee / account holder | $1,694 | $1,041+62.8% | $2,828-40.1% | $433+291.3% |