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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 | $25,917 | $29,716-12.8% | $56,077-53.8% | $80,925-68.0% |
| Participation rate | 34.8% | 41.7%-6.8pp | 52.5%-17.7pp | 67.7%-32.8pp |
| Annual return | 8.57% | 35.30%-26.7pp | 1709.28%-1700.7pp | 35.65%-27.1pp |
| Employer contribution / active EE | $421 | $671-37.3% | $1,040-59.5% | $2,756-84.7% |
| Participant deferral / active EE | $943 | $1,228-23.3% | $1,954-51.8% | $4,299-78.1% |
| Admin fee / account holder | $1,962 | $2,432-19.3% | $2,825-30.5% | $6,940-71.7% |