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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 | $33,896 | $71,615-52.7% | $153,416-77.9% | $65,306-48.1% |
| Participation rate | 40.4% | 49.3%-8.9pp | 74.3%-34.0pp | 57.7%-17.3pp |
| Annual return | 5.75% | 12.62%-6.9pp | 17.84%-12.1pp | 21.94%-16.2pp |
| Employer contribution / active EE | $500 | $1,488-66.4% | $3,764-86.7% | $1,967-74.6% |
| Participant deferral / active EE | $888 | $2,236-60.3% | $4,723-81.2% | $2,959-70.0% |
| Admin fee / account holder | $2,094 | $3,498-40.1% | $13,095-84.0% | $3,480-39.8% |