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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 | $22,260 | $29,736-25.1% | $56,033-60.3% | $80,935-72.5% |
| Participation rate | 53.5% | 41.7%+11.8pp | 52.5%+1.0pp | 67.7%-14.2pp |
| Annual return | 10.29% | 35.28%-25.0pp | 1711.38%-1701.1pp | 35.66%-25.4pp |
| Employer contribution / active EE | $1,173 | $671+74.7% | $1,041+12.7% | $2,757-57.4% |
| Participant deferral / active EE | $2,361 | $1,228+92.2% | $1,954+20.8% | $4,299-45.1% |
| Admin fee / account holder | $1,011 | $2,434-58.5% | $2,827-64.2% | $6,924-85.4% |