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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 | $12,279 | $27,943-56.1% | $58,507-79.0% | $75,177-83.7% |
| Participation rate | 42.9% | 38.8%+4.0pp | 50.9%-8.0pp | 67.2%-24.3pp |
| Annual return | 12.69% | 44.22%-31.5pp | 4252.32%-4239.6pp | 160.75%-148.1pp |
| Employer contribution / active EE | $613 | $670-8.4% | $1,053-41.8% | $2,671-77.0% |
| Participant deferral / active EE | $1,361 | $1,202+13.2% | $1,922-29.2% | $4,126-67.0% |
| Admin fee / account holder | $1,429 | $1,727-17.3% | $2,486-42.5% | $5,651-74.7% |