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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 | $37,393 | $39,028-4.2% | $80,741-53.7% | $85,856-56.4% |
| Participation rate | 34.3% | 41.6%-7.3pp | 54.2%-19.9pp | 69.3%-35.0pp |
| Annual return | 10.71% | 26.31%-15.6pp | 87.30%-76.6pp | 318.58%-307.9pp |
| Employer contribution / active EE | $174 | $722-75.9% | $1,160-85.0% | $2,565-93.2% |
| Participant deferral / active EE | $764 | $1,326-42.4% | $2,145-64.4% | $3,952-80.7% |
| Admin fee / account holder | $343 | $2,429-85.9% | $3,380-89.9% | $6,261-94.5% |