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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 | $63,809-62.3% | $81,353-70.4% | $80,935-70.3% |
| Participation rate | 37.5% | 63.9%-26.4pp | 69.5%-32.0pp | 67.7%-30.2pp |
| Annual return | 10.19% | 16.37%-6.2pp | 24.82%-14.6pp | 35.66%-25.5pp |
| Employer contribution / active EE | $496 | $1,981-74.9% | $2,464-79.9% | $2,757-82.0% |
| Participant deferral / active EE | $1,391 | $3,093-55.0% | $3,885-64.2% | $4,299-67.6% |
| Admin fee / account holder | $2,977 | $5,686-47.6% | $5,766-48.4% | $6,924-57.0% |