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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 | $5,512 | $51,638-89.3% | $68,368-91.9% | $82,448-93.3% |
| Participation rate | 46.7% | 63.6%-16.9pp | 73.8%-27.1pp | 68.1%-21.4pp |
| Annual return | 8.43% | 37.53%-29.1pp | 292.57%-284.1pp | 41.64%-33.2pp |
| Employer contribution / active EE | $417 | $2,047-79.6% | $2,649-84.3% | $2,551-83.7% |
| Participant deferral / active EE | $1,280 | $2,914-56.1% | $4,123-68.9% | $4,139-69.1% |
| Admin fee / account holder | $423 | $4,643-90.9% | $5,150-91.8% | $7,234-94.1% |