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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 | $29,037 | $57,073-49.1% | $85,126-65.9% | $80,925-64.1% |
| Participation rate | 36.4% | 56.4%-20.0pp | 67.5%-31.2pp | 67.7%-31.3pp |
| Annual return | 7.99% | 21.69%-13.7pp | 66.63%-58.6pp | 35.65%-27.7pp |
| Employer contribution / active EE | $412 | $1,801-77.1% | $2,731-84.9% | $2,756-85.0% |
| Participant deferral / active EE | $1,741 | $3,113-44.1% | $4,523-61.5% | $4,299-59.5% |
| Admin fee / account holder | $1,529 | $4,988-69.3% | $6,160-75.2% | $6,940-78.0% |