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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 | $58,258-26.3% | $81,820-47.5% | $80,925-46.9% |
| Participation rate | 22.0% | 63.5%-41.4pp | 72.4%-50.4pp | 67.7%-45.6pp |
| Annual return | 5.06% | 41.76%-36.7pp | 777.93%-772.9pp | 35.65%-30.6pp |
| Employer contribution / active EE | $398 | $2,345-83.0% | $2,915-86.3% | $2,756-85.5% |
| Participant deferral / active EE | $977 | $3,284-70.2% | $4,323-77.4% | $4,299-77.3% |
| Admin fee / account holder | $7,915 | $4,976+59.1% | $7,391+7.1% | $6,940+14.1% |