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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 | $35,018 | $71,230-50.8% | $93,727-62.6% | $80,959-56.7% |
| Participation rate | 19.5% | 60.4%-40.9pp | 68.7%-49.2pp | 67.7%-48.2pp |
| Annual return | 8.17% | 11.26%-3.1pp | 133.83%-125.7pp | 35.67%-27.5pp |
| Employer contribution / active EE | $424 | $1,565-72.9% | $2,421-82.5% | $2,757-84.6% |
| Participant deferral / active EE | $1,343 | $4,037-66.7% | $4,417-69.6% | $4,300-68.8% |
| Admin fee / account holder | $8,734 | $6,961+25.5% | $8,292+5.3% | $6,925+26.1% |