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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 | $20,849 | $75,541-72.4% | $152,093-86.3% | $82,637-74.8% |
| Participation rate | 40.0% | 66.5%-26.5pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 9.39% | 32.56%-23.2pp | 66.36%-57.0pp | 53.51%-44.1pp |
| Employer contribution / active EE | $529 | $2,622-79.8% | $4,175-87.3% | $2,552-79.3% |
| Participant deferral / active EE | $1,144 | $3,206-64.3% | $5,451-79.0% | $4,126-72.3% |
| Admin fee / account holder | $1,470 | $6,405-77.0% | $14,497-89.9% | $7,339-80.0% |