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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 | $42,947 | $68,586-37.4% | $120,380-64.3% | $80,911-46.9% |
| Participation rate | 31.7% | 61.6%-29.9pp | 71.9%-40.2pp | 67.6%-35.9pp |
| Annual return | 9.89% | 23.62%-13.7pp | 107.28%-97.4pp | 35.63%-25.7pp |
| Employer contribution / active EE | $604 | $2,053-70.6% | $3,465-82.6% | $2,756-78.1% |
| Participant deferral / active EE | $1,131 | $3,174-64.4% | $4,992-77.4% | $4,297-73.7% |
| Admin fee / account holder | $1,955 | $5,733-65.9% | $9,421-79.3% | $6,935-71.8% |