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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 | $24,910 | $81,233-69.3% | $155,567-84.0% | $80,874-69.2% |
| Participation rate | 28.0% | 66.2%-38.2pp | 78.2%-50.2pp | 67.6%-39.6pp |
| Annual return | 10.07% | 33.33%-23.3pp | 64.74%-54.7pp | 35.62%-25.5pp |
| Employer contribution / active EE | $500 | $3,101-83.9% | $4,674-89.3% | $2,756-81.9% |
| Participant deferral / active EE | $1,251 | $3,452-63.8% | $5,628-77.8% | $4,297-70.9% |
| Admin fee / account holder | $5,319 | $7,998-33.5% | $15,916-66.6% | $6,935-23.3% |