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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 | $23,589 | $29,733-20.7% | $56,025-57.9% | $80,959-70.9% |
| Participation rate | 63.3% | 41.7%+21.6pp | 52.5%+10.8pp | 67.7%-4.3pp |
| Annual return | 9.58% | 35.28%-25.7pp | 1712.69%-1703.1pp | 35.67%-26.1pp |
| Employer contribution / active EE | $1,400 | $672+108.4% | $1,042+34.4% | $2,757-49.2% |
| Participant deferral / active EE | $2,494 | $1,229+102.9% | $1,955+27.6% | $4,300-42.0% |
| Admin fee / account holder | $611 | $2,434-74.9% | $2,828-78.4% | $6,925-91.2% |