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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 | $18,932 | $27,800-31.9% | $58,561-67.7% | $71,511-73.5% |
| Participation rate | 9.0% | 34.6%-25.6pp | 50.9%-41.9pp | 67.9%-59.0pp |
| Annual return | 8.05% | 26.80%-18.7pp | 4251.33%-4243.3pp | 28.86%-20.8pp |
| Employer contribution / active EE | $0 | $632-100.0% | $1,053-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $403 | $1,208-66.7% | $1,923-79.0% | $4,291-90.6% |
| Admin fee / account holder | $1,151 | $1,637-29.7% | $2,520-54.3% | $1,588-27.5% |