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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 | $29,736-89.5% | $56,033-94.4% | $80,935-96.2% |
| Participation rate | 62.5% | 41.7%+20.8pp | 52.5%+10.0pp | 67.7%-5.2pp |
| Annual return | 9.39% | 35.28%-25.9pp | 1711.38%-1702.0pp | 35.66%-26.3pp |
| Employer contribution / active EE | $405 | $671-39.6% | $1,041-61.1% | $2,757-85.3% |
| Participant deferral / active EE | $449 | $1,228-63.4% | $1,954-77.0% | $4,299-89.6% |
| Admin fee / account holder | $692 | $2,434-71.6% | $2,827-75.5% | $6,924-90.0% |