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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 | $63,221 | $76,407-17.3% | $150,298-57.9% | $82,448-23.3% |
| Participation rate | 15.6% | 66.4%-50.8pp | 77.8%-62.2pp | 68.1%-52.5pp |
| Annual return | 12.04% | 39.99%-28.0pp | 62.79%-50.7pp | 41.64%-29.6pp |
| Employer contribution / active EE | $328 | $2,614-87.5% | $4,154-92.1% | $2,551-87.1% |
| Participant deferral / active EE | $1,199 | $3,214-62.7% | $5,453-78.0% | $4,139-71.0% |
| Admin fee / account holder | $448 | $6,352-92.9% | $14,116-96.8% | $7,234-93.8% |