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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 | $24,318 | $30,437-20.1% | $56,033-56.6% | $74,459-67.3% |
| Participation rate | 42.5% | 32.9%+9.6pp | 52.5%-10.0pp | 67.2%-24.7pp |
| Annual return | 10.37% | 24.96%-14.6pp | 1711.38%-1701.0pp | 1369.70%-1359.3pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,041-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,094 | $1,176-6.9% | $1,954-44.0% | $4,350-74.8% |
| Admin fee / account holder | $664 | $2,363-71.9% | $2,827-76.5% | $1,945-65.9% |