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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 | $35,651 | $49,976-28.7% | $66,674-46.5% | $82,637-56.9% |
| Participation rate | 31.6% | 63.1%-31.5pp | 73.7%-42.1pp | 68.1%-36.5pp |
| Annual return | 10.75% | 39.09%-28.3pp | 321.24%-310.5pp | 53.51%-42.8pp |
| Employer contribution / active EE | $490 | $1,988-75.4% | $2,620-81.3% | $2,552-80.8% |
| Participant deferral / active EE | $934 | $2,847-67.2% | $4,084-77.1% | $4,126-77.4% |
| Admin fee / account holder | $3,177 | $4,594-30.8% | $5,098-37.7% | $7,339-56.7% |