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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 | $19,443 | $51,638-62.3% | $68,368-71.6% | $82,448-76.4% |
| Participation rate | 47.6% | 63.6%-16.0pp | 73.8%-26.1pp | 68.1%-20.4pp |
| Annual return | 10.60% | 37.53%-26.9pp | 292.57%-282.0pp | 41.64%-31.0pp |
| Employer contribution / active EE | $1,637 | $2,047-20.0% | $2,649-38.2% | $2,551-35.8% |
| Participant deferral / active EE | $2,114 | $2,914-27.5% | $4,123-48.7% | $4,139-48.9% |
| Admin fee / account holder | $2,891 | $4,643-37.7% | $5,150-43.9% | $7,234-60.0% |