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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 | $27,917 | $42,546-34.4% | $71,796-61.1% | $55,167-49.4% |
| Participation rate | 35.8% | 59.1%-23.3pp | 69.1%-33.3pp | 69.0%-33.2pp |
| Annual return | 4.12% | 12.36%-8.2pp | 78.04%-73.9pp | 169.23%-165.1pp |
| Employer contribution / active EE | $538 | $803-33.0% | $1,924-72.0% | $1,963-72.6% |
| Participant deferral / active EE | $1,269 | $2,064-38.5% | $2,794-54.6% | $3,054-58.4% |
| Admin fee / account holder | $2,668 | $650+310.7% | $4,815-44.6% | $504+429.4% |