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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 | $38,113 | $75,541-49.5% | $152,093-74.9% | $82,637-53.9% |
| Participation rate | 57.3% | 66.5%-9.2pp | 77.8%-20.4pp | 68.1%-10.7pp |
| Annual return | 9.72% | 32.56%-22.8pp | 66.36%-56.6pp | 53.51%-43.8pp |
| Employer contribution / active EE | $443 | $2,622-83.1% | $4,175-89.4% | $2,552-82.6% |
| Participant deferral / active EE | $1,120 | $3,206-65.0% | $5,451-79.4% | $4,126-72.8% |
| Admin fee / account holder | $1,418 | $6,405-77.9% | $14,497-90.2% | $7,339-80.7% |