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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 | $31,020 | $72,492-57.2% | $87,104-64.4% | $72,975-57.5% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.9%-16.9pp | 69.5%-9.5pp |
| Annual return | 5.42% | 24.46%-19.0pp | 28.19%-22.8pp | 81.01%-75.6pp |
| Employer contribution / active EE | $987 | $1,894-47.9% | $2,521-60.8% | $2,440-59.5% |
| Participant deferral / active EE | $1,545 | $3,270-52.7% | $4,048-61.8% | $3,608-57.2% |
| Admin fee / account holder | $1,110 | $5,055-78.0% | $7,491-85.2% | $5,124-78.3% |