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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 | $24,948 | $65,246-61.8% | $98,716-74.7% | $67,986-63.3% |
| Participation rate | 38.5% | 51.4%-13.0pp | 69.3%-30.8pp | 57.2%-18.7pp |
| Annual return | 12.27% | 20.58%-8.3pp | 31.81%-19.5pp | 31.67%-19.4pp |
| Employer contribution / active EE | $245 | $1,042-76.5% | $2,279-89.3% | $2,019-87.9% |
| Participant deferral / active EE | $1,783 | $2,594-31.3% | $4,048-56.0% | $3,358-46.9% |
| Admin fee / account holder | $377 | $4,561-91.7% | $8,703-95.7% | $3,203-88.2% |