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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 | $29,309 | $29,507-0.7% | $56,025-47.7% | $77,762-62.3% |
| Participation rate | 21.3% | 32.7%-11.4pp | 52.5%-31.2pp | 70.6%-49.3pp |
| Annual return | 10.59% | 18.90%-8.3pp | 1712.69%-1702.1pp | 31.27%-20.7pp |
| Employer contribution / active EE | $153 | $570-73.1% | $1,042-85.3% | $2,728-94.4% |
| Participant deferral / active EE | $767 | $1,062-27.7% | $1,955-60.7% | $4,651-83.5% |
| Admin fee / account holder | $985 | $1,041-5.4% | $2,828-65.2% | $433+127.5% |