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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 | $21,640 | $89,515-75.8% | $103,486-79.1% | $80,935-73.3% |
| Participation rate | 55.6% | 76.0%-20.4pp | 80.5%-25.0pp | 67.7%-12.1pp |
| Annual return | 11.23% | 22.82%-11.6pp | 23.93%-12.7pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,307 | $4,015-67.5% | $4,679-72.1% | $2,757-52.6% |
| Participant deferral / active EE | $2,331 | $5,463-57.3% | $6,628-64.8% | $4,299-45.8% |
| Admin fee / account holder | $5,562 | $6,527-14.8% | $9,354-40.5% | $6,924-19.7% |