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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 | $22,929 | $51,166-55.2% | $70,544-67.5% | $71,511-67.9% |
| Participation rate | 43.2% | 59.4%-16.2pp | 68.4%-25.2pp | 67.9%-24.8pp |
| Annual return | 13.60% | 42.71%-29.1pp | 32.79%-19.2pp | 28.86%-15.3pp |
| Employer contribution / active EE | $947 | $1,793-47.2% | $2,976-68.2% | $2,589-63.4% |
| Participant deferral / active EE | $1,582 | $3,031-47.8% | $4,568-65.4% | $4,291-63.1% |
| Admin fee / account holder | $3,798 | $2,000+89.9% | $6,427-40.9% | $1,588+139.1% |