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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 | $42,912 | $45,312-5.3% | $86,233-50.2% | $67,986-36.9% |
| Participation rate | 22.1% | 42.4%-20.3pp | 69.0%-46.9pp | 57.2%-35.1pp |
| Annual return | 13.36% | 24.79%-11.4pp | 61.39%-48.0pp | 31.67%-18.3pp |
| Employer contribution / active EE | $485 | $1,160-58.1% | $2,504-80.6% | $2,019-76.0% |
| Participant deferral / active EE | $1,201 | $2,185-45.0% | $4,559-73.7% | $3,358-64.2% |
| Admin fee / account holder | $7,462 | $3,295+126.5% | $8,342-10.5% | $3,203+133.0% |