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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 | $33,822 | $71,197-52.5% | $93,669-63.9% | $80,925-58.2% |
| Participation rate | 28.3% | 60.4%-32.1pp | 68.7%-40.5pp | 67.7%-39.4pp |
| Annual return | 5.60% | 11.27%-5.7pp | 133.59%-128.0pp | 35.65%-30.1pp |
| Employer contribution / active EE | $491 | $1,565-68.6% | $2,424-79.7% | $2,756-82.2% |
| Participant deferral / active EE | $1,996 | $4,036-50.5% | $4,416-54.8% | $4,299-53.6% |
| Admin fee / account holder | $6,661 | $6,959-4.3% | $8,291-19.7% | $6,940-4.0% |