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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 | $23,528 | $52,580-55.3% | $71,671-67.2% | $70,126-66.4% |
| Participation rate | 53.3% | 60.9%-7.5pp | 68.7%-15.4pp | 69.5%-16.2pp |
| Annual return | 8.00% | 20.25%-12.3pp | 20.65%-12.7pp | 73.15%-65.2pp |
| Employer contribution / active EE | $476 | $1,616-70.6% | $2,460-80.7% | $2,343-79.7% |
| Participant deferral / active EE | $1,120 | $2,386-53.1% | $3,438-67.4% | $3,332-66.4% |
| Admin fee / account holder | $806 | $3,653-77.9% | $5,558-85.5% | $4,645-82.6% |