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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 | $24,732 | $48,078-48.6% | $78,676-68.6% | $62,881-60.7% |
| Participation rate | 48.8% | 65.2%-16.4pp | 73.6%-24.8pp | 69.3%-20.5pp |
| Annual return | 3.43% | 31.36%-27.9pp | 62.19%-58.8pp | 20.14%-16.7pp |
| Employer contribution / active EE | $534 | $2,015-73.5% | $2,850-81.3% | $2,281-76.6% |
| Participant deferral / active EE | $1,502 | $2,587-41.9% | $3,517-57.3% | $3,203-53.1% |
| Admin fee / account holder | $736 | $3,206-77.0% | $4,510-83.7% | $4,296-82.9% |