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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 | $21,258 | $45,043-52.8% | $63,005-66.3% | $70,124-69.7% |
| Participation rate | 48.6% | 69.5%-20.9pp | 74.8%-26.2pp | 69.5%-21.0pp |
| Annual return | 8.92% | 18.76%-9.8pp | 87.59%-78.7pp | 73.14%-64.2pp |
| Employer contribution / active EE | $1,052 | $2,052-48.7% | $2,760-61.9% | $2,342-55.1% |
| Participant deferral / active EE | $1,531 | $2,466-37.9% | $3,329-54.0% | $3,332-54.1% |
| Admin fee / account holder | $559 | $2,833-80.3% | $3,599-84.5% | $4,645-88.0% |