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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 | $17,996 | $47,944-62.5% | $67,834-73.5% | $62,881-71.4% |
| Participation rate | 39.6% | 61.1%-21.4pp | 68.8%-29.2pp | 69.3%-29.7pp |
| Annual return | 4.12% | 11.77%-7.6pp | 138.47%-134.4pp | 20.14%-16.0pp |
| Employer contribution / active EE | $758 | $1,562-51.5% | $2,403-68.5% | $2,281-66.8% |
| Participant deferral / active EE | $1,242 | $2,247-44.7% | $3,160-60.7% | $3,203-61.2% |
| Admin fee / account holder | $3,632 | $3,712-2.2% | $4,622-21.4% | $4,296-15.5% |