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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 | $26,181 | $81,358-67.8% | $155,556-83.2% | $80,959-67.7% |
| Participation rate | 47.2% | 66.3%-19.0pp | 78.2%-31.0pp | 67.7%-20.4pp |
| Annual return | 8.28% | 33.39%-25.1pp | 64.84%-56.6pp | 35.67%-27.4pp |
| Employer contribution / active EE | $639 | $3,106-79.4% | $4,675-86.3% | $2,757-76.8% |
| Participant deferral / active EE | $984 | $3,455-71.5% | $5,631-82.5% | $4,300-77.1% |
| Admin fee / account holder | $2,423 | $7,994-69.7% | $15,885-84.7% | $6,925-65.0% |