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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 | $32,016 | $56,060-42.9% | $76,002-57.9% | $80,874-60.4% |
| Participation rate | 30.4% | 62.0%-31.6pp | 69.1%-38.6pp | 67.6%-37.2pp |
| Annual return | 7.12% | 20.54%-13.4pp | 360.07%-352.9pp | 35.62%-28.5pp |
| Employer contribution / active EE | $825 | $1,873-56.0% | $2,688-69.3% | $2,756-70.1% |
| Participant deferral / active EE | $2,725 | $3,051-10.7% | $4,257-36.0% | $4,297-36.6% |
| Admin fee / account holder | $383 | $5,237-92.7% | $6,414-94.0% | $6,935-94.5% |