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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 | $20,212 | $57,140-64.6% | $85,240-76.3% | $80,959-75.0% |
| Participation rate | 44.4% | 56.4%-12.0pp | 67.5%-23.1pp | 67.7%-23.2pp |
| Annual return | 6.05% | 21.71%-15.7pp | 66.75%-60.7pp | 35.67%-29.6pp |
| Employer contribution / active EE | $627 | $1,802-65.2% | $2,735-77.1% | $2,757-77.3% |
| Participant deferral / active EE | $2,138 | $3,115-31.4% | $4,527-52.8% | $4,300-50.3% |
| Admin fee / account holder | $5,223 | $4,992+4.6% | $6,165-15.3% | $6,925-24.6% |