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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 | $23,339 | $78,690-70.3% | $161,489-85.5% | $87,485-73.3% |
| Participation rate | 54.7% | 67.5%-12.7pp | 78.7%-24.0pp | 68.9%-14.2pp |
| Annual return | 9.42% | 32.74%-23.3pp | 89.72%-80.3pp | 26.06%-16.6pp |
| Employer contribution / active EE | $620 | $2,588-76.0% | $4,268-85.5% | $2,596-76.1% |
| Participant deferral / active EE | $1,663 | $3,311-49.8% | $5,630-70.5% | $4,274-61.1% |
| Admin fee / account holder | $5,281 | $6,724-21.5% | $16,006-67.0% | $7,775-32.1% |