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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 | $26,129 | $27,936-6.5% | $58,561-55.4% | $75,173-65.2% |
| Participation rate | 58.3% | 38.8%+19.5pp | 50.9%+7.5pp | 67.2%-8.9pp |
| Annual return | 10.79% | 44.21%-33.4pp | 4251.33%-4240.5pp | 160.72%-149.9pp |
| Employer contribution / active EE | $1,098 | $670+64.0% | $1,053+4.2% | $2,671-58.9% |
| Participant deferral / active EE | $723 | $1,202-39.9% | $1,923-62.4% | $4,126-82.5% |
| Admin fee / account holder | $443 | $1,727-74.4% | $2,520-82.4% | $5,651-92.2% |