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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 | $39,981 | $58,258-31.4% | $81,820-51.1% | $80,925-50.6% |
| Participation rate | 22.2% | 63.5%-41.2pp | 72.4%-50.2pp | 67.7%-45.4pp |
| Annual return | 10.02% | 41.76%-31.7pp | 777.93%-767.9pp | 35.65%-25.6pp |
| Employer contribution / active EE | $604 | $2,345-74.2% | $2,915-79.3% | $2,756-78.1% |
| Participant deferral / active EE | $1,767 | $3,284-46.2% | $4,323-59.1% | $4,299-58.9% |
| Admin fee / account holder | $663 | $4,976-86.7% | $7,391-91.0% | $6,940-90.5% |