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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 | $12,665 | $46,534-72.8% | $64,097-80.2% | $75,177-83.2% |
| Participation rate | 46.2% | 65.9%-19.8pp | 72.3%-26.2pp | 67.2%-21.1pp |
| Annual return | 10.90% | 26.07%-15.2pp | 33.75%-22.8pp | 160.75%-149.9pp |
| Employer contribution / active EE | $731 | $1,976-63.0% | $2,750-73.4% | $2,671-72.6% |
| Participant deferral / active EE | $990 | $2,835-65.1% | $3,881-74.5% | $4,126-76.0% |
| Admin fee / account holder | $2,375 | $2,957-19.7% | $3,070-22.6% | $5,651-58.0% |