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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 | $30,385-20.0% | $56,054-56.6% | $74,400-67.3% |
| Participation rate | 42.5% | 32.9%+9.6pp | 52.5%-10.0pp | 67.2%-24.7pp |
| Annual return | 10.37% | 24.92%-14.6pp | 1705.95%-1695.6pp | 1367.51%-1357.1pp |
| Employer contribution / active EE | $0 | $609-100.0% | $1,039-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,094 | $1,174-6.8% | $1,952-44.0% | $4,348-74.8% |
| Admin fee / account holder | $664 | $2,361-71.9% | $2,822-76.5% | $1,944-65.8% |