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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 | $37,490 | $50,554-25.8% | $67,681-44.6% | $87,485-57.1% |
| Participation rate | 55.8% | 67.7%-11.9pp | 73.7%-17.9pp | 68.9%-13.1pp |
| Annual return | 8.56% | 17.81%-9.3pp | 590.58%-582.0pp | 26.06%-17.5pp |
| Employer contribution / active EE | $796 | $1,988-60.0% | $2,678-70.3% | $2,596-69.3% |
| Participant deferral / active EE | $1,969 | $2,961-33.5% | $3,976-50.5% | $4,274-53.9% |
| Admin fee / account holder | $14,977 | $4,132+262.4% | $6,100+145.5% | $7,775+92.6% |