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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 | $3,113 | $29,667-89.5% | $56,441-94.5% | $80,874-96.2% |
| Participation rate | 62.5% | 41.7%+20.8pp | 52.5%+10.0pp | 67.6%-5.1pp |
| Annual return | 9.39% | 35.22%-25.8pp | 1704.21%-1694.8pp | 35.62%-26.2pp |
| Employer contribution / active EE | $405 | $669-39.4% | $1,039-61.0% | $2,756-85.3% |
| Participant deferral / active EE | $449 | $1,227-63.4% | $1,953-77.0% | $4,297-89.5% |
| Admin fee / account holder | $692 | $2,429-71.5% | $2,829-75.6% | $6,935-90.0% |