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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 | $3,039 | $49,976-93.9% | $66,674-95.4% | $82,637-96.3% |
| Participation rate | 68.6% | 63.1%+5.5pp | 73.7%-5.1pp | 68.1%+0.5pp |
| Annual return | 11.79% | 39.09%-27.3pp | 321.24%-309.5pp | 53.51%-41.7pp |
| Employer contribution / active EE | $283 | $1,988-85.7% | $2,620-89.2% | $2,552-88.9% |
| Participant deferral / active EE | $474 | $2,847-83.4% | $4,084-88.4% | $4,126-88.5% |
| Admin fee / account holder | $355 | $4,594-92.3% | $5,098-93.0% | $7,339-95.2% |