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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 | $57,073-39.4% | $85,126-59.4% | $80,925-57.3% |
| Participation rate | 37.8% | 56.4%-18.6pp | 67.5%-29.7pp | 67.7%-29.8pp |
| Annual return | 7.72% | 21.69%-14.0pp | 66.63%-58.9pp | 35.65%-27.9pp |
| Employer contribution / active EE | $714 | $1,801-60.3% | $2,731-73.9% | $2,756-74.1% |
| Participant deferral / active EE | $1,071 | $3,113-65.6% | $4,523-76.3% | $4,299-75.1% |
| Admin fee / account holder | $706 | $4,988-85.8% | $6,160-88.5% | $6,940-89.8% |