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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 | $29,670-77.3% | $56,054-88.0% | $80,911-91.7% |
| Participation rate | 69.6% | 41.7%+28.0pp | 52.5%+17.2pp | 67.6%+2.0pp |
| Annual return | 9.04% | 35.24%-26.2pp | 1705.95%-1696.9pp | 35.63%-26.6pp |
| Employer contribution / active EE | $859 | $670+28.3% | $1,039-17.3% | $2,756-68.8% |
| Participant deferral / active EE | $1,364 | $1,227+11.2% | $1,952-30.1% | $4,297-68.3% |
| Admin fee / account holder | $1,340 | $2,431-44.9% | $2,822-52.5% | $6,935-80.7% |