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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 | $25,073 | $37,156-32.5% | $83,854-70.1% | $86,983-71.2% |
| Participation rate | 42.3% | 49.1%-6.7pp | 59.1%-16.8pp | 69.5%-27.2pp |
| Annual return | 7.67% | 29.88%-22.2pp | 31.39%-23.7pp | 25.83%-18.2pp |
| Employer contribution / active EE | $128 | $661-80.6% | $1,017-87.4% | $2,584-95.0% |
| Participant deferral / active EE | $880 | $1,418-37.9% | $2,035-56.8% | $4,194-79.0% |
| Admin fee / account holder | $744 | $2,510-70.3% | $3,197-76.7% | $7,856-90.5% |