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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 | $26,958 | $124,351-78.3% | $109,188-75.3% | $167,553-83.9% |
| Participation rate | 47.6% | 79.4%-31.8pp | 75.9%-28.3pp | 82.1%-34.5pp |
| Annual return | 3.00% | 26.04%-23.0pp | 25.76%-22.8pp | 478.89%-475.9pp |
| Employer contribution / active EE | $1,250 | $4,210-70.3% | $3,723-66.4% | $4,840-74.2% |
| Participant deferral / active EE | $2,572 | $5,257-51.1% | $4,654-44.7% | $6,343-59.4% |
| Admin fee / account holder | $861 | $7,975-89.2% | $6,755-87.2% | $12,316-93.0% |