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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 | $40,297 | $47,105-14.5% | $68,368-41.1% | $67,986-40.7% |
| Participation rate | 32.5% | 51.8%-19.3pp | 73.8%-41.3pp | 57.2%-24.8pp |
| Annual return | 11.91% | 48.37%-36.5pp | 292.57%-280.7pp | 31.67%-19.8pp |
| Employer contribution / active EE | $305 | $1,859-83.6% | $2,649-88.5% | $2,019-84.9% |
| Participant deferral / active EE | $742 | $2,374-68.8% | $4,123-82.0% | $3,358-77.9% |
| Admin fee / account holder | $630 | $2,435-74.1% | $5,150-87.8% | $3,203-80.3% |