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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 | $20,265 | $77,638-73.9% | $156,551-87.1% | $62,881-67.8% |
| Participation rate | 55.1% | 71.2%-16.1pp | 84.0%-29.0pp | 69.3%-14.2pp |
| Annual return | 0.90% | 50.33%-49.4pp | 32.23%-31.3pp | 20.14%-19.2pp |
| Employer contribution / active EE | $578 | $3,444-83.2% | $5,501-89.5% | $2,281-74.6% |
| Participant deferral / active EE | $1,594 | $3,046-47.7% | $4,871-67.3% | $3,203-50.2% |
| Admin fee / account holder | $983 | $5,561-82.3% | $13,028-92.5% | $4,296-77.1% |