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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 | $41,549 | $78,690-47.2% | $161,489-74.3% | $87,485-52.5% |
| Participation rate | 13.7% | 67.5%-53.7pp | 78.7%-65.0pp | 68.9%-55.2pp |
| Annual return | 11.02% | 32.74%-21.7pp | 89.72%-78.7pp | 26.06%-15.0pp |
| Employer contribution / active EE | $646 | $2,588-75.0% | $4,268-84.9% | $2,596-75.1% |
| Participant deferral / active EE | $1,007 | $3,311-69.6% | $5,630-82.1% | $4,274-76.4% |
| Admin fee / account holder | $2,202 | $6,724-67.2% | $16,006-86.2% | $7,775-71.7% |