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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 | $11,956 | $41,016-70.9% | $152,093-92.1% | $64,097-81.3% |
| Participation rate | 30.1% | 51.3%-21.3pp | 77.8%-47.7pp | 55.2%-25.1pp |
| Annual return | 11.10% | 39.60%-28.5pp | 66.36%-55.3pp | 34.64%-23.5pp |
| Employer contribution / active EE | $225 | $1,342-83.2% | $4,175-94.6% | $1,891-88.1% |
| Participant deferral / active EE | $611 | $1,927-68.3% | $5,451-88.8% | $3,080-80.2% |
| Admin fee / account holder | $3,255 | $2,305+41.2% | $14,497-77.5% | $3,454-5.8% |