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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 | $2,830 | $27,943-89.9% | $58,507-95.2% | $75,177-96.2% |
| Participation rate | 57.6% | 38.8%+18.7pp | 50.9%+6.7pp | 67.2%-9.6pp |
| Annual return | 14.78% | 44.22%-29.4pp | 4252.32%-4237.5pp | 160.75%-146.0pp |
| Employer contribution / active EE | $336 | $670-49.8% | $1,053-68.1% | $2,671-87.4% |
| Participant deferral / active EE | $387 | $1,202-67.8% | $1,922-79.9% | $4,126-90.6% |
| Admin fee / account holder | $426 | $1,727-75.3% | $2,486-82.9% | $5,651-92.5% |