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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 | $24,729 | $29,716-16.8% | $56,077-55.9% | $80,925-69.4% |
| Participation rate | 10.5% | 41.7%-31.2pp | 52.5%-42.0pp | 67.7%-57.1pp |
| Annual return | 7.15% | 35.30%-28.1pp | 1709.28%-1702.1pp | 35.65%-28.5pp |
| Employer contribution / active EE | $414 | $671-38.2% | $1,040-60.2% | $2,756-85.0% |
| Participant deferral / active EE | $1,345 | $1,228+9.5% | $1,954-31.2% | $4,299-68.7% |
| Admin fee / account holder | $671 | $2,432-72.4% | $2,825-76.3% | $6,940-90.3% |