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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 | $23,180 | $75,541-69.3% | $152,093-84.8% | $82,637-72.0% |
| Participation rate | 46.2% | 66.5%-20.4pp | 77.8%-31.6pp | 68.1%-21.9pp |
| Annual return | 12.60% | 32.56%-20.0pp | 66.36%-53.8pp | 53.51%-40.9pp |
| Employer contribution / active EE | $780 | $2,622-70.3% | $4,175-81.3% | $2,552-69.4% |
| Participant deferral / active EE | $1,664 | $3,206-48.1% | $5,451-69.5% | $4,126-59.7% |
| Admin fee / account holder | $2,326 | $6,405-63.7% | $14,497-84.0% | $7,339-68.3% |