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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 | $28,964 | $98,776-70.7% | $149,745-80.7% | $79,856-63.7% |
| Participation rate | 52.0% | 75.8%-23.8pp | 82.5%-30.5pp | 69.6%-17.6pp |
| Annual return | 9.41% | 27.38%-18.0pp | 276.72%-267.3pp | 31.71%-22.3pp |
| Employer contribution / active EE | $756 | $3,217-76.5% | $4,646-83.7% | $2,471-69.4% |
| Participant deferral / active EE | $2,722 | $5,681-52.1% | $6,843-60.2% | $3,741-27.2% |
| Admin fee / account holder | $807 | $6,053-86.7% | $9,312-91.3% | $5,306-84.8% |