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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 | $28,176 | $95,762-70.6% | $379,746-92.6% | $79,856-64.7% |
| Participation rate | 58.2% | 74.0%-15.8pp | 78.4%-20.2pp | 69.6%-11.4pp |
| Annual return | 6.36% | 18.26%-11.9pp | 34.90%-28.5pp | 31.71%-25.4pp |
| Employer contribution / active EE | $957 | $2,695-64.5% | $3,540-73.0% | $2,471-61.3% |
| Participant deferral / active EE | $2,064 | $4,705-56.1% | $6,024-65.7% | $3,741-44.8% |
| Admin fee / account holder | $2,861 | $6,745-57.6% | $7,927-63.9% | $5,306-46.1% |