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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 | $27,651 | $57,140-51.6% | $85,240-67.6% | $80,959-65.8% |
| Participation rate | 40.0% | 56.4%-16.4pp | 67.5%-27.5pp | 67.7%-27.7pp |
| Annual return | 9.35% | 21.71%-12.4pp | 66.75%-57.4pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,190 | $1,802-34.0% | $2,735-56.5% | $2,757-56.8% |
| Participant deferral / active EE | $2,379 | $3,115-23.6% | $4,527-47.5% | $4,300-44.7% |
| Admin fee / account holder | $1,164 | $4,992-76.7% | $6,165-81.1% | $6,925-83.2% |