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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 | $19,301 | $43,730-55.9% | $66,674-71.1% | $64,097-69.9% |
| Participation rate | 38.0% | 50.7%-12.8pp | 73.7%-35.7pp | 55.2%-17.2pp |
| Annual return | 9.31% | 53.62%-44.3pp | 321.24%-311.9pp | 34.64%-25.3pp |
| Employer contribution / active EE | $492 | $1,673-70.6% | $2,620-81.2% | $1,891-74.0% |
| Participant deferral / active EE | $1,277 | $2,122-39.8% | $4,084-68.7% | $3,080-58.5% |
| Admin fee / account holder | $3,775 | $2,708+39.4% | $5,098-25.9% | $3,454+9.3% |