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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 | $25,389 | $58,627-56.7% | $76,735-66.9% | $82,448-69.2% |
| Participation rate | 20.0% | 63.2%-43.2pp | 69.5%-49.5pp | 68.1%-48.1pp |
| Annual return | 11.24% | 39.10%-27.9pp | 29.77%-18.5pp | 41.64%-30.4pp |
| Employer contribution / active EE | $748 | $1,729-56.8% | $2,454-69.5% | $2,551-70.7% |
| Participant deferral / active EE | $1,312 | $3,134-58.1% | $4,088-67.9% | $4,139-68.3% |
| Admin fee / account holder | $635 | $5,323-88.1% | $7,189-91.2% | $7,234-91.2% |