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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 | $32,248 | $59,440-45.7% | $78,004-58.7% | $82,637-61.0% |
| Participation rate | 50.0% | 62.8%-12.8pp | 69.4%-19.4pp | 68.1%-18.1pp |
| Annual return | 12.37% | 40.24%-27.9pp | 31.07%-18.7pp | 53.51%-41.1pp |
| Employer contribution / active EE | $567 | $1,750-67.6% | $2,469-77.0% | $2,552-77.8% |
| Participant deferral / active EE | $2,621 | $3,138-16.5% | $4,092-35.9% | $4,126-36.5% |
| Admin fee / account holder | $21,360 | $5,504+288.1% | $7,578+181.9% | $7,339+191.1% |