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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 | $26,880 | $45,041-40.3% | $63,003-57.3% | $70,131-61.7% |
| Participation rate | 53.6% | 69.5%-16.0pp | 74.8%-21.2pp | 69.5%-16.0pp |
| Annual return | 8.43% | 18.76%-10.3pp | 87.59%-79.2pp | 73.14%-64.7pp |
| Employer contribution / active EE | $780 | $2,052-62.0% | $2,760-71.7% | $2,342-66.7% |
| Participant deferral / active EE | $1,533 | $2,465-37.8% | $3,329-54.0% | $3,332-54.0% |
| Admin fee / account holder | $3,307 | $2,836+16.6% | $3,600-8.1% | $4,645-28.8% |