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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 | $24,978 | $36,948-32.4% | $73,658-66.1% | $87,485-71.4% |
| Participation rate | 27.6% | 46.8%-19.2pp | 57.0%-29.5pp | 68.9%-41.3pp |
| Annual return | 6.25% | 28.64%-22.4pp | 29.72%-23.5pp | 26.06%-19.8pp |
| Employer contribution / active EE | $798 | $670+19.2% | $1,032-22.7% | $2,596-69.2% |
| Participant deferral / active EE | $1,835 | $1,379+33.1% | $2,062-11.0% | $4,274-57.1% |
| Admin fee / account holder | $26,370 | $2,531+942.0% | $3,357+685.6% | $7,775+239.2% |