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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 | $24,360 | $74,535-67.3% | $100,712-75.8% | $82,637-70.5% |
| Participation rate | 50.0% | 61.2%-11.2pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 11.42% | 18.92%-7.5pp | 33.27%-21.9pp | 53.51%-42.1pp |
| Employer contribution / active EE | $1,153 | $1,503-23.3% | $2,313-50.2% | $2,552-54.8% |
| Participant deferral / active EE | $1,316 | $3,074-57.2% | $4,085-67.8% | $4,126-68.1% |
| Admin fee / account holder | $1,005 | $6,576-84.7% | $9,256-89.1% | $7,339-86.3% |