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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 | $11,359 | $28,624-60.3% | $53,647-78.8% | $82,637-86.3% |
| Participation rate | 64.9% | 47.3%+17.6pp | 56.3%+8.6pp | 68.1%-3.2pp |
| Annual return | 13.71% | 664.98%-651.3pp | 358.33%-344.6pp | 53.51%-39.8pp |
| Employer contribution / active EE | $0 | $637-100.0% | $962-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $877 | $1,196-26.7% | $1,813-51.6% | $4,126-78.7% |
| Admin fee / account holder | $1,799 | $2,022-11.0% | $2,460-26.9% | $7,339-75.5% |