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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 | $6,728 | $29,716-77.4% | $56,077-88.0% | $80,925-91.7% |
| Participation rate | 69.6% | 41.7%+27.9pp | 52.5%+17.1pp | 67.7%+2.0pp |
| Annual return | 9.04% | 35.30%-26.3pp | 1709.28%-1700.2pp | 35.65%-26.6pp |
| Employer contribution / active EE | $859 | $671+28.0% | $1,040-17.4% | $2,756-68.8% |
| Participant deferral / active EE | $1,364 | $1,228+11.0% | $1,954-30.2% | $4,299-68.3% |
| Admin fee / account holder | $1,340 | $2,432-44.9% | $2,825-52.6% | $6,940-80.7% |