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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 | $24,721 | $27,936-11.5% | $58,561-57.8% | $75,173-67.1% |
| Participation rate | 65.8% | 38.8%+26.9pp | 50.9%+14.9pp | 67.2%-1.4pp |
| Annual return | 12.42% | 44.21%-31.8pp | 4251.33%-4238.9pp | 160.72%-148.3pp |
| Employer contribution / active EE | $698 | $670+4.2% | $1,053-33.8% | $2,671-73.9% |
| Participant deferral / active EE | $2,247 | $1,202+87.0% | $1,923+16.8% | $4,126-45.5% |
| Admin fee / account holder | $3,087 | $1,727+78.8% | $2,520+22.5% | $5,651-45.4% |