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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 | $44,187 | $99,957-55.8% | $149,715-70.5% | $73,493-39.9% |
| Participation rate | 58.7% | 75.7%-17.0pp | 82.5%-23.8pp | 70.7%-12.0pp |
| Annual return | 4.16% | 53.87%-49.7pp | 276.66%-272.5pp | 28.51%-24.3pp |
| Employer contribution / active EE | $842 | $3,191-73.6% | $4,645-81.9% | $2,270-62.9% |
| Participant deferral / active EE | $4,312 | $6,073-29.0% | $6,842-37.0% | $3,740+15.3% |
| Admin fee / account holder | $1,011 | $551+83.7% | $9,310-89.1% | $513+97.1% |