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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 | $29,990 | $57,590-47.9% | $86,233-65.2% | $82,448-63.6% |
| Participation rate | 44.4% | 57.9%-13.4pp | 69.0%-24.6pp | 68.1%-23.6pp |
| Annual return | 12.17% | 22.41%-10.2pp | 61.39%-49.2pp | 41.64%-29.5pp |
| Employer contribution / active EE | $973 | $1,655-41.2% | $2,504-61.2% | $2,551-61.9% |
| Participant deferral / active EE | $1,823 | $3,080-40.8% | $4,559-60.0% | $4,139-56.0% |
| Admin fee / account holder | $385 | $4,730-91.9% | $8,342-95.4% | $7,234-94.7% |