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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 | $14,175 | $38,365-63.1% | $84,628-83.2% | $65,185-78.3% |
| Participation rate | 46.8% | 55.7%-8.8pp | 68.2%-21.4pp | 70.2%-23.4pp |
| Annual return | 18.59% | 32.00%-13.4pp | 258.80%-240.2pp | 29.38%-10.8pp |
| Employer contribution / active EE | $645 | $1,258-48.8% | $2,653-75.7% | $2,177-70.4% |
| Participant deferral / active EE | $1,533 | $2,278-32.7% | $3,900-60.7% | $3,514-56.4% |
| Admin fee / account holder | $631 | $451+39.8% | $4,914-87.2% | $847-25.5% |