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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 | $4,190 | $19,646-78.7% | $71,585-94.1% | $64,097-93.5% |
| Participation rate | 50.0% | 64.7%-14.7pp | 68.2%-18.2pp | 55.2%-5.2pp |
| Annual return | -12.64% | 36.81%-49.4pp | 59.26%-71.9pp | 34.64%-47.3pp |
| Employer contribution / active EE | $401 | $713-43.7% | $1,669-75.9% | $1,891-78.8% |
| Participant deferral / active EE | $1,027 | $1,665-38.3% | $2,923-64.9% | $3,080-66.6% |
| Admin fee / account holder | $1,032 | $1,850-44.2% | $4,712-78.1% | $3,454-70.1% |