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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 | $31,016 | $35,183-11.8% | $73,550-57.8% | $70,126-55.8% |
| Participation rate | 29.3% | 42.9%-13.7pp | 54.9%-25.7pp | 69.5%-40.3pp |
| Annual return | 11.89% | 26.90%-15.0pp | -15.16%+27.1pp | 73.15%-61.3pp |
| Employer contribution / active EE | $483 | $709-31.8% | $1,219-60.3% | $2,343-79.4% |
| Participant deferral / active EE | $511 | $1,220-58.1% | $1,804-71.7% | $3,332-84.7% |
| Admin fee / account holder | $368 | $2,302-84.0% | $2,320-84.1% | $4,645-92.1% |