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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 | $36,997 | $51,184-27.7% | $66,439-44.3% | $86,983-57.5% |
| Participation rate | 43.6% | 68.5%-24.9pp | 74.5%-30.9pp | 69.5%-26.0pp |
| Annual return | 7.78% | 17.07%-9.3pp | 757.66%-749.9pp | 25.83%-18.1pp |
| Employer contribution / active EE | $409 | $2,023-79.8% | $2,637-84.5% | $2,584-84.2% |
| Participant deferral / active EE | $1,064 | $2,927-63.6% | $3,876-72.5% | $4,194-74.6% |
| Admin fee / account holder | $7,833 | $4,154+88.5% | $6,173+26.9% | $7,856-0.3% |