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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 | $31,185 | $34,316-9.1% | $74,719-58.3% | $72,983-57.3% |
| Participation rate | 44.1% | 42.4%+1.7pp | 54.5%-10.3pp | 69.5%-25.4pp |
| Annual return | 16.42% | 26.58%-10.2pp | 753.05%-736.6pp | 81.01%-64.6pp |
| Employer contribution / active EE | $149 | $692-78.5% | $1,084-86.3% | $2,440-93.9% |
| Participant deferral / active EE | $1,616 | $1,272+27.1% | $1,963-17.7% | $3,608-55.2% |
| Admin fee / account holder | $894 | $2,125-57.9% | $3,334-73.2% | $5,124-82.5% |