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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 | $21,919 | $78,027-71.9% | $178,528-87.7% | $80,925-72.9% |
| Participation rate | 55.6% | 65.7%-10.1pp | 77.1%-21.5pp | 67.7%-12.1pp |
| Annual return | 10.41% | 18.09%-7.7pp | 27.11%-16.7pp | 35.65%-25.2pp |
| Employer contribution / active EE | $986 | $2,281-56.8% | $3,950-75.0% | $2,756-64.2% |
| Participant deferral / active EE | $2,585 | $4,408-41.3% | $6,278-58.8% | $4,299-39.9% |
| Admin fee / account holder | $2,724 | $7,168-62.0% | $10,419-73.9% | $6,940-60.8% |