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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 | $57,140-73.9% | $85,240-82.5% | $80,959-81.6% |
| Participation rate | 46.5% | 56.4%-9.9pp | 67.5%-21.0pp | 67.7%-21.2pp |
| Annual return | 6.85% | 21.71%-14.9pp | 66.75%-59.9pp | 35.67%-28.8pp |
| Employer contribution / active EE | $621 | $1,802-65.6% | $2,735-77.3% | $2,757-77.5% |
| Participant deferral / active EE | $1,044 | $3,115-66.5% | $4,527-76.9% | $4,300-75.7% |
| Admin fee / account holder | $6,673 | $4,992+33.7% | $6,165+8.2% | $6,925-3.6% |