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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 | $31,393 | $58,493-46.3% | $84,023-62.6% | $72,976-57.0% |
| Participation rate | 29.6% | 61.2%-31.6pp | 69.0%-39.4pp | 69.5%-39.9pp |
| Annual return | 12.74% | 28.93%-16.2pp | 71.32%-58.6pp | 81.02%-68.3pp |
| Employer contribution / active EE | $690 | $1,163-40.7% | $1,984-65.2% | $2,440-71.7% |
| Participant deferral / active EE | $1,723 | $2,394-28.0% | $3,239-46.8% | $3,608-52.3% |
| Admin fee / account holder | $4,180 | $4,569-8.5% | $6,102-31.5% | $5,124-18.4% |