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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 | $29,569-0.9% | $56,077-47.7% | $77,714-62.3% |
| Participation rate | 21.3% | 32.6%-11.3pp | 52.5%-31.2pp | 70.6%-49.3pp |
| Annual return | 10.59% | 18.90%-8.3pp | 1709.28%-1698.7pp | 31.26%-20.7pp |
| Employer contribution / active EE | $153 | $569-73.1% | $1,040-85.3% | $2,727-94.4% |
| Participant deferral / active EE | $767 | $1,061-27.7% | $1,954-60.7% | $4,649-83.5% |
| Admin fee / account holder | $985 | $1,042-5.5% | $2,825-65.1% | $433+127.3% |