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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 | $23,609 | $48,364-51.2% | $71,796-67.1% | $62,881-62.5% |
| Participation rate | 47.7% | 60.6%-12.9pp | 69.1%-21.4pp | 69.3%-21.6pp |
| Annual return | 4.77% | 13.16%-8.4pp | 78.04%-73.3pp | 20.14%-15.4pp |
| Employer contribution / active EE | $205 | $1,042-80.3% | $1,924-89.3% | $2,281-91.0% |
| Participant deferral / active EE | $1,070 | $2,091-48.8% | $2,794-61.7% | $3,203-66.6% |
| Admin fee / account holder | $1,674 | $3,771-55.6% | $4,815-65.2% | $4,296-61.0% |