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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 | $57,073-51.6% | $85,126-67.5% | $80,925-65.8% |
| Participation rate | 40.0% | 56.4%-16.4pp | 67.5%-27.5pp | 67.7%-27.7pp |
| Annual return | 9.35% | 21.69%-12.3pp | 66.63%-57.3pp | 35.65%-26.3pp |
| Employer contribution / active EE | $1,190 | $1,801-33.9% | $2,731-56.4% | $2,756-56.8% |
| Participant deferral / active EE | $2,379 | $3,113-23.6% | $4,523-47.4% | $4,299-44.7% |
| Admin fee / account holder | $1,164 | $4,988-76.7% | $6,160-81.1% | $6,940-83.2% |