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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 | $17,420 | $51,202-66.0% | $70,548-75.3% | $75,181-76.8% |
| Participation rate | 35.1% | 61.0%-25.8pp | 68.3%-33.2pp | 67.2%-32.1pp |
| Annual return | 13.24% | 30.05%-16.8pp | 32.78%-19.5pp | 160.69%-147.4pp |
| Employer contribution / active EE | $419 | $1,827-77.1% | $2,975-85.9% | $2,671-84.3% |
| Participant deferral / active EE | $1,278 | $2,850-55.2% | $4,567-72.0% | $4,126-69.0% |
| Admin fee / account holder | $1,040 | $4,094-74.6% | $6,424-83.8% | $5,650-81.6% |