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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 | $44,767 | $57,119-21.6% | $85,187-47.4% | $80,935-44.7% |
| Participation rate | 21.3% | 56.4%-35.1pp | 67.5%-46.2pp | 67.7%-46.4pp |
| Annual return | 9.41% | 21.70%-12.3pp | 66.67%-57.3pp | 35.66%-26.3pp |
| Employer contribution / active EE | $424 | $1,802-76.5% | $2,732-84.5% | $2,757-84.6% |
| Participant deferral / active EE | $795 | $3,115-74.5% | $4,525-82.4% | $4,299-81.5% |
| Admin fee / account holder | $11,918 | $4,990+138.8% | $6,162+93.4% | $6,924+72.1% |