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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 | $43,210 | $47,944-9.9% | $67,834-36.3% | $62,881-31.3% |
| Participation rate | 21.3% | 61.1%-39.8pp | 68.8%-47.5pp | 69.3%-48.0pp |
| Annual return | 2.90% | 11.77%-8.9pp | 138.47%-135.6pp | 20.14%-17.2pp |
| Employer contribution / active EE | $707 | $1,562-54.7% | $2,403-70.6% | $2,281-69.0% |
| Participant deferral / active EE | $900 | $2,247-59.9% | $3,160-71.5% | $3,203-71.9% |
| Admin fee / account holder | $386 | $3,712-89.6% | $4,622-91.6% | $4,296-91.0% |