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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 | $24,052 | $63,773-62.3% | $81,286-70.4% | $80,925-70.3% |
| Participation rate | 37.5% | 63.9%-26.4pp | 69.5%-32.0pp | 67.7%-30.2pp |
| Annual return | 10.19% | 16.37%-6.2pp | 24.80%-14.6pp | 35.65%-25.5pp |
| Employer contribution / active EE | $496 | $1,979-74.9% | $2,463-79.8% | $2,756-82.0% |
| Participant deferral / active EE | $1,391 | $3,093-55.0% | $3,883-64.2% | $4,299-67.6% |
| Admin fee / account holder | $2,977 | $5,682-47.6% | $5,764-48.4% | $6,940-57.1% |