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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 | $27,813 | $32,037-13.2% | $69,182-59.8% | $62,881-55.8% |
| Participation rate | 37.3% | 43.4%-6.1pp | 55.1%-17.8pp | 69.3%-32.0pp |
| Annual return | 4.27% | 15.16%-10.9pp | -21.93%+26.2pp | 20.14%-15.9pp |
| Employer contribution / active EE | $309 | $679-54.5% | $1,206-74.4% | $2,281-86.5% |
| Participant deferral / active EE | $803 | $1,185-32.3% | $1,897-57.7% | $3,203-74.9% |
| Admin fee / account holder | $1,116 | $2,608-57.2% | $2,697-58.6% | $4,296-74.0% |