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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 | $28,584 | $54,541-47.6% | $78,778-63.7% | $70,126-59.2% |
| Participation rate | 39.2% | 60.8%-21.6pp | 69.2%-30.0pp | 69.5%-30.4pp |
| Annual return | 7.22% | 21.07%-13.9pp | 35.62%-28.4pp | 73.15%-65.9pp |
| Employer contribution / active EE | $693 | $1,089-36.3% | $1,986-65.1% | $2,343-70.4% |
| Participant deferral / active EE | $1,342 | $2,210-39.3% | $2,958-54.6% | $3,332-59.7% |
| Admin fee / account holder | $1,569 | $3,709-57.7% | $5,134-69.4% | $4,645-66.2% |