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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 | $33,571 | $36,948-9.1% | $73,658-54.4% | $87,485-61.6% |
| Participation rate | 14.7% | 46.8%-32.2pp | 57.0%-42.4pp | 68.9%-54.3pp |
| Annual return | 12.79% | 28.64%-15.8pp | 29.72%-16.9pp | 26.06%-13.3pp |
| Employer contribution / active EE | $519 | $670-22.6% | $1,032-49.8% | $2,596-80.0% |
| Participant deferral / active EE | $961 | $1,379-30.3% | $2,062-53.4% | $4,274-77.5% |
| Admin fee / account holder | $2,332 | $2,531-7.9% | $3,357-30.5% | $7,775-70.0% |