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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 | $43,730-7.9% | $66,674-39.6% | $64,097-37.1% |
| Participation rate | 32.5% | 50.7%-18.3pp | 73.7%-41.2pp | 55.2%-22.7pp |
| Annual return | 11.91% | 53.62%-41.7pp | 321.24%-309.3pp | 34.64%-22.7pp |
| Employer contribution / active EE | $305 | $1,673-81.7% | $2,620-88.3% | $1,891-83.9% |
| Participant deferral / active EE | $742 | $2,122-65.0% | $4,084-81.8% | $3,080-75.9% |
| Admin fee / account holder | $630 | $2,708-76.7% | $5,098-87.6% | $3,454-81.8% |