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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 | $7,259 | $57,590-87.4% | $86,233-91.6% | $82,448-91.2% |
| Participation rate | 24.0% | 57.9%-33.9pp | 69.0%-45.0pp | 68.1%-44.1pp |
| Annual return | 9.78% | 22.41%-12.6pp | 61.39%-51.6pp | 41.64%-31.9pp |
| Employer contribution / active EE | $285 | $1,655-82.8% | $2,504-88.6% | $2,551-88.8% |
| Participant deferral / active EE | $833 | $3,080-73.0% | $4,559-81.7% | $4,139-79.9% |
| Admin fee / account holder | $3,218 | $4,730-32.0% | $8,342-61.4% | $7,234-55.5% |