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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 | $60,442-50.4% | $96,754-69.0% | $87,485-65.7% |
| Participation rate | 44.4% | 58.7%-14.3pp | 70.3%-25.8pp | 68.9%-24.5pp |
| Annual return | 12.17% | 21.97%-9.8pp | 82.04%-69.9pp | 26.06%-13.9pp |
| Employer contribution / active EE | $973 | $1,691-42.5% | $2,679-63.7% | $2,596-62.5% |
| Participant deferral / active EE | $1,823 | $3,280-44.4% | $4,758-61.7% | $4,274-57.3% |
| Admin fee / account holder | $385 | $5,069-92.4% | $8,905-95.7% | $7,775-95.0% |