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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 | $25,209 | $81,331-69.0% | $155,534-83.8% | $80,935-68.9% |
| Participation rate | 40.7% | 66.3%-25.5pp | 78.2%-37.5pp | 67.7%-26.9pp |
| Annual return | 5.51% | 33.37%-27.9pp | 64.92%-59.4pp | 35.66%-30.2pp |
| Employer contribution / active EE | $724 | $3,105-76.7% | $4,675-84.5% | $2,757-73.7% |
| Participant deferral / active EE | $2,915 | $3,454-15.6% | $5,630-48.2% | $4,299-32.2% |
| Admin fee / account holder | $2,993 | $7,999-62.6% | $15,900-81.2% | $6,924-56.8% |