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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 | $81,358-64.3% | $155,556-81.3% | $80,959-64.1% |
| Participation rate | 28.0% | 66.3%-38.3pp | 78.2%-50.2pp | 67.7%-39.7pp |
| Annual return | 7.94% | 33.39%-25.4pp | 64.84%-56.9pp | 35.67%-27.7pp |
| Employer contribution / active EE | $630 | $3,106-79.7% | $4,675-86.5% | $2,757-77.2% |
| Participant deferral / active EE | $3,096 | $3,455-10.4% | $5,631-45.0% | $4,300-28.0% |
| Admin fee / account holder | $729 | $7,994-90.9% | $15,885-95.4% | $6,925-89.5% |