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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 | $57,119-73.9% | $85,187-82.5% | $80,935-81.6% |
| Participation rate | 46.5% | 56.4%-9.9pp | 67.5%-21.0pp | 67.7%-21.1pp |
| Annual return | 6.85% | 21.70%-14.8pp | 66.67%-59.8pp | 35.66%-28.8pp |
| Employer contribution / active EE | $621 | $1,802-65.6% | $2,732-77.3% | $2,757-77.5% |
| Participant deferral / active EE | $1,044 | $3,115-66.5% | $4,525-76.9% | $4,299-75.7% |
| Admin fee / account holder | $6,673 | $4,990+33.7% | $6,162+8.3% | $6,924-3.6% |