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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 | $19,301 | $45,266-57.4% | $103,693-81.4% | $65,306-70.4% |
| Participation rate | 38.0% | 53.3%-15.4pp | 72.6%-34.7pp | 57.7%-19.7pp |
| Annual return | 9.31% | 25.10%-15.8pp | 47.61%-38.3pp | 21.94%-12.6pp |
| Employer contribution / active EE | $492 | $1,765-72.2% | $2,920-83.2% | $1,967-75.0% |
| Participant deferral / active EE | $1,277 | $2,099-39.2% | $4,579-72.1% | $2,959-56.9% |
| Admin fee / account holder | $3,775 | $3,221+17.2% | $7,858-52.0% | $3,480+8.5% |