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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 | $32,000 | $76,834-58.4% | $108,359-70.5% | $87,485-63.4% |
| Participation rate | 31.8% | 61.7%-29.9pp | 70.1%-38.3pp | 68.9%-37.1pp |
| Annual return | 6.10% | 19.09%-13.0pp | 36.89%-30.8pp | 26.06%-20.0pp |
| Employer contribution / active EE | $478 | $1,556-69.3% | $2,399-80.1% | $2,596-81.6% |
| Participant deferral / active EE | $1,758 | $3,100-43.3% | $4,137-57.5% | $4,274-58.9% |
| Admin fee / account holder | $9,044 | $6,537+38.4% | $9,741-7.2% | $7,775+16.3% |