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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 | $28,967 | $49,976-42.0% | $66,674-56.6% | $82,637-64.9% |
| Participation rate | 31.7% | 63.1%-31.4pp | 73.7%-42.0pp | 68.1%-36.3pp |
| Annual return | 11.41% | 39.09%-27.7pp | 321.24%-309.8pp | 53.51%-42.1pp |
| Employer contribution / active EE | $377 | $1,988-81.0% | $2,620-85.6% | $2,552-85.2% |
| Participant deferral / active EE | $775 | $2,847-72.8% | $4,084-81.0% | $4,126-81.2% |
| Admin fee / account holder | $5,039 | $4,594+9.7% | $5,098-1.2% | $7,339-31.3% |