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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 | $21,924 | $56,110-60.9% | $94,993-76.9% | $70,126-68.7% |
| Participation rate | 43.9% | 65.0%-21.1pp | 73.9%-30.0pp | 69.5%-25.7pp |
| Annual return | 12.18% | 51.02%-38.8pp | 27.14%-15.0pp | 73.15%-61.0pp |
| Employer contribution / active EE | $995 | $1,442-31.0% | $2,603-61.8% | $2,343-57.5% |
| Participant deferral / active EE | $2,356 | $2,391-1.5% | $3,317-29.0% | $3,332-29.3% |
| Admin fee / account holder | $1,269 | $3,456-63.3% | $4,960-74.4% | $4,645-72.7% |