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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 | $42,874 | $61,787-30.6% | $97,197-55.9% | $80,925-47.0% |
| Participation rate | 34.5% | 63.5%-29.0pp | 72.7%-38.2pp | 67.7%-33.2pp |
| Annual return | 8.87% | -558.16%+567.0pp | 75.47%-66.6pp | 35.65%-26.8pp |
| Employer contribution / active EE | $616 | $1,836-66.4% | $2,723-77.4% | $2,756-77.6% |
| Participant deferral / active EE | $1,273 | $3,027-58.0% | $4,263-70.1% | $4,299-70.4% |
| Admin fee / account holder | $437 | $5,170-91.5% | $5,637-92.2% | $6,940-93.7% |