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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 | $25,803 | $54,541-52.7% | $78,778-67.2% | $70,126-63.2% |
| Participation rate | 51.7% | 60.8%-9.1pp | 69.2%-17.5pp | 69.5%-17.8pp |
| Annual return | 10.57% | 21.07%-10.5pp | 35.62%-25.1pp | 73.15%-62.6pp |
| Employer contribution / active EE | $250 | $1,089-77.0% | $1,986-87.4% | $2,343-89.3% |
| Participant deferral / active EE | $1,195 | $2,210-45.9% | $2,958-59.6% | $3,332-64.1% |
| Admin fee / account holder | $3,688 | $3,709-0.6% | $5,134-28.2% | $4,645-20.6% |