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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 | $20,818 | $56,894-63.4% | $84,753-75.4% | $62,881-66.9% |
| Participation rate | 51.7% | 68.5%-16.8pp | 76.6%-24.9pp | 69.3%-17.6pp |
| Annual return | 2.02% | 6.30%-4.3pp | 22.78%-20.8pp | 20.14%-18.1pp |
| Employer contribution / active EE | $997 | $2,400-58.5% | $3,574-72.1% | $2,281-56.3% |
| Participant deferral / active EE | $1,329 | $2,709-50.9% | $3,712-64.2% | $3,203-58.5% |
| Admin fee / account holder | $1,676 | $3,581-53.2% | $5,333-68.6% | $4,296-61.0% |