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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 | $13,848 | $57,073-75.7% | $85,126-83.7% | $80,925-82.9% |
| Participation rate | 49.0% | 56.4%-7.4pp | 67.5%-18.5pp | 67.7%-18.6pp |
| Annual return | 10.27% | 21.69%-11.4pp | 66.63%-56.4pp | 35.65%-25.4pp |
| Employer contribution / active EE | $625 | $1,801-65.3% | $2,731-77.1% | $2,756-77.3% |
| Participant deferral / active EE | $1,724 | $3,113-44.6% | $4,523-61.9% | $4,299-59.9% |
| Admin fee / account holder | $1,409 | $4,988-71.8% | $6,160-77.1% | $6,940-79.7% |