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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 | $20,438 | $61,816-66.9% | $97,260-79.0% | $80,935-74.7% |
| Participation rate | 40.7% | 63.5%-22.7pp | 72.7%-31.9pp | 67.7%-26.9pp |
| Annual return | 7.49% | -558.73%+566.2pp | 75.54%-68.1pp | 35.66%-28.2pp |
| Employer contribution / active EE | $444 | $1,836-75.8% | $2,721-83.7% | $2,757-83.9% |
| Participant deferral / active EE | $1,038 | $3,027-65.7% | $4,262-75.6% | $4,299-75.9% |
| Admin fee / account holder | $2,153 | $5,166-58.3% | $5,640-61.8% | $6,924-68.9% |