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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 | $3,884 | $23,330-83.4% | $64,489-94.0% | $82,448-95.3% |
| Participation rate | 68.4% | 68.3%+0.1pp | 67.7%+0.7pp | 68.1%+0.4pp |
| Annual return | 13.33% | 83.66%-70.3pp | 55.03%-41.7pp | 41.64%-28.3pp |
| Employer contribution / active EE | $428 | $824-48.1% | $1,523-71.9% | $2,551-83.2% |
| Participant deferral / active EE | $1,235 | $1,707-27.7% | $2,778-55.6% | $4,139-70.2% |
| Admin fee / account holder | $812 | $2,946-72.4% | $4,260-80.9% | $7,234-88.8% |