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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 | $4,078 | $29,051-86.0% | $52,425-92.2% | $67,986-94.0% |
| Participation rate | 46.0% | 30.4%+15.6pp | 55.6%-9.6pp | 57.2%-11.2pp |
| Annual return | 11.80% | 24.00%-12.2pp | 302.12%-290.3pp | 31.67%-19.9pp |
| Employer contribution / active EE | $177 | $412-56.9% | $914-80.6% | $2,019-91.2% |
| Participant deferral / active EE | $403 | $873-53.8% | $1,790-77.5% | $3,358-88.0% |
| Admin fee / account holder | $472 | $2,113-77.7% | $2,495-81.1% | $3,203-85.3% |