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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 | $14,930 | $57,061-73.8% | $85,063-82.4% | $80,911-81.5% |
| Participation rate | 46.5% | 56.3%-9.8pp | 67.5%-21.0pp | 67.6%-21.1pp |
| Annual return | 6.85% | 21.66%-14.8pp | 66.54%-59.7pp | 35.63%-28.8pp |
| Employer contribution / active EE | $621 | $1,799-65.5% | $2,727-77.2% | $2,756-77.5% |
| Participant deferral / active EE | $1,044 | $3,110-66.4% | $4,523-76.9% | $4,297-75.7% |
| Admin fee / account holder | $6,673 | $4,986+33.8% | $6,155+8.4% | $6,935-3.8% |