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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 | $29,074 | $57,119-49.1% | $85,187-65.9% | $80,935-64.1% |
| Participation rate | 35.4% | 56.4%-21.0pp | 67.5%-32.1pp | 67.7%-32.2pp |
| Annual return | 8.79% | 21.70%-12.9pp | 66.67%-57.9pp | 35.66%-26.9pp |
| Employer contribution / active EE | $343 | $1,802-80.9% | $2,732-87.4% | $2,757-87.5% |
| Participant deferral / active EE | $1,597 | $3,115-48.7% | $4,525-64.7% | $4,299-62.9% |
| Admin fee / account holder | $1,698 | $4,990-66.0% | $6,162-72.4% | $6,924-75.5% |