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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 | $8,938 | $34,316-74.0% | $74,722-88.0% | $72,975-87.8% |
| Participation rate | 69.7% | 42.4%+27.3pp | 54.5%+15.2pp | 69.5%+0.2pp |
| Annual return | 16.77% | 26.58%-9.8pp | 753.11%-736.3pp | 81.01%-64.2pp |
| Employer contribution / active EE | $639 | $692-7.7% | $1,084-41.1% | $2,440-73.8% |
| Participant deferral / active EE | $873 | $1,272-31.3% | $1,963-55.5% | $3,608-75.8% |
| Admin fee / account holder | $1,930 | $2,125-9.2% | $3,335-42.1% | $5,124-62.3% |