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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 | $18,289 | $46,464-60.6% | $150,298-87.8% | $79,634-77.0% |
| Participation rate | 25.7% | 57.0%-31.3pp | 77.8%-52.1pp | 62.5%-36.8pp |
| Annual return | 10.55% | 27.89%-17.3pp | 62.79%-52.2pp | 36.46%-25.9pp |
| Employer contribution / active EE | $265 | $1,512-82.5% | $4,154-93.6% | $2,529-89.5% |
| Participant deferral / active EE | $907 | $2,157-58.0% | $5,453-83.4% | $3,835-76.4% |
| Admin fee / account holder | $528 | $891-40.7% | $14,116-96.3% | $1,002-47.3% |