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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 | $69,590-72.1% | $136,867-85.8% | $94,015-79.3% |
| Participation rate | 47.6% | 66.3%-18.7pp | 74.5%-26.9pp | 70.8%-23.2pp |
| Annual return | 10.60% | 19.62%-9.0pp | 42.97%-32.4pp | 17.84%-7.2pp |
| Employer contribution / active EE | $1,637 | $2,396-31.7% | $3,547-53.9% | $2,790-41.3% |
| Participant deferral / active EE | $2,114 | $3,437-38.5% | $4,924-57.1% | $4,249-50.3% |
| Admin fee / account holder | $2,891 | $8,912-67.6% | $10,340-72.0% | $8,951-67.7% |