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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 | $29,733-77.4% | $56,025-88.0% | $80,959-91.7% |
| Participation rate | 69.6% | 41.7%+27.9pp | 52.5%+17.1pp | 67.7%+2.0pp |
| Annual return | 9.04% | 35.28%-26.2pp | 1712.69%-1703.6pp | 35.67%-26.6pp |
| Employer contribution / active EE | $859 | $672+27.9% | $1,042-17.5% | $2,757-68.8% |
| Participant deferral / active EE | $1,364 | $1,229+10.9% | $1,955-30.2% | $4,300-68.3% |
| Admin fee / account holder | $1,340 | $2,434-44.9% | $2,828-52.6% | $6,925-80.7% |