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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 | $28,729 | $27,924+2.9% | $58,544-50.9% | $75,181-61.8% |
| Participation rate | 42.6% | 38.8%+3.8pp | 50.9%-8.2pp | 67.2%-24.6pp |
| Annual return | 14.27% | 44.20%-29.9pp | 4249.56%-4235.3pp | 160.69%-146.4pp |
| Employer contribution / active EE | $395 | $669-40.9% | $1,053-62.5% | $2,671-85.2% |
| Participant deferral / active EE | $1,073 | $1,202-10.7% | $1,923-44.2% | $4,126-74.0% |
| Admin fee / account holder | $3,053 | $1,726+76.9% | $2,520+21.2% | $5,650-46.0% |