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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 | $34,592 | $57,140-39.5% | $85,240-59.4% | $80,959-57.3% |
| Participation rate | 37.8% | 56.4%-18.6pp | 67.5%-29.7pp | 67.7%-29.8pp |
| Annual return | 7.72% | 21.71%-14.0pp | 66.75%-59.0pp | 35.67%-28.0pp |
| Employer contribution / active EE | $714 | $1,802-60.4% | $2,735-73.9% | $2,757-74.1% |
| Participant deferral / active EE | $1,071 | $3,115-65.6% | $4,527-76.3% | $4,300-75.1% |
| Admin fee / account holder | $706 | $4,992-85.9% | $6,165-88.5% | $6,925-89.8% |