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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 | $28,180 | $52,306-46.1% | $69,779-59.6% | $62,881-55.2% |
| Participation rate | 64.0% | 67.2%-3.2pp | 71.8%-7.8pp | 69.3%-5.3pp |
| Annual return | 4.36% | 13.35%-9.0pp | 12.99%-8.6pp | 20.14%-15.8pp |
| Employer contribution / active EE | $614 | $1,799-65.8% | $2,338-73.7% | $2,281-73.1% |
| Participant deferral / active EE | $1,207 | $2,395-49.6% | $2,931-58.8% | $3,203-62.3% |
| Admin fee / account holder | $5,235 | $3,691+41.8% | $4,381+19.5% | $4,296+21.9% |