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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 | $42,949 | $58,234-26.2% | $81,783-47.5% | $80,874-46.9% |
| Participation rate | 22.0% | 63.4%-41.4pp | 72.4%-50.3pp | 67.6%-45.6pp |
| Annual return | 5.06% | 41.70%-36.6pp | 775.05%-770.0pp | 35.62%-30.6pp |
| Employer contribution / active EE | $398 | $2,341-83.0% | $2,913-86.3% | $2,756-85.5% |
| Participant deferral / active EE | $977 | $3,283-70.2% | $4,320-77.4% | $4,297-77.3% |
| Admin fee / account holder | $7,915 | $4,982+58.9% | $7,380+7.3% | $6,935+14.1% |