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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 | $30,202 | $77,638-61.1% | $156,551-80.7% | $62,881-52.0% |
| Participation rate | 49.3% | 71.2%-21.9pp | 84.0%-34.7pp | 69.3%-20.0pp |
| Annual return | 0.30% | 50.33%-50.0pp | 32.23%-31.9pp | 20.14%-19.8pp |
| Employer contribution / active EE | $452 | $3,444-86.9% | $5,501-91.8% | $2,281-80.2% |
| Participant deferral / active EE | $1,144 | $3,046-62.4% | $4,871-76.5% | $3,203-64.3% |
| Admin fee / account holder | $513 | $5,561-90.8% | $13,028-96.1% | $4,296-88.0% |