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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 | $17,188 | $29,716-42.2% | $56,077-69.3% | $80,925-78.8% |
| Participation rate | 69.2% | 41.7%+27.5pp | 52.5%+16.7pp | 67.7%+1.6pp |
| Annual return | 8.88% | 35.30%-26.4pp | 1709.28%-1700.4pp | 35.65%-26.8pp |
| Employer contribution / active EE | $2,998 | $671+346.8% | $1,040+188.2% | $2,756+8.8% |
| Participant deferral / active EE | $1,412 | $1,228+15.0% | $1,954-27.7% | $4,299-67.1% |
| Admin fee / account holder | $3,327 | $2,432+36.8% | $2,825+17.8% | $6,940-52.1% |