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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 | $38,370 | $52,279-26.6% | $89,435-57.1% | $79,856-52.0% |
| Participation rate | 27.9% | 57.5%-29.6pp | 68.0%-40.1pp | 69.6%-41.7pp |
| Annual return | 2.32% | 22.16%-19.8pp | 245.55%-243.2pp | 31.71%-29.4pp |
| Employer contribution / active EE | $575 | $1,572-63.4% | $2,587-77.8% | $2,471-76.7% |
| Participant deferral / active EE | $1,676 | $2,740-38.9% | $3,890-56.9% | $3,741-55.2% |
| Admin fee / account holder | $717 | $3,356-78.6% | $4,884-85.3% | $5,306-86.5% |