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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 | $24,665 | $75,541-67.3% | $152,093-83.8% | $82,637-70.2% |
| Participation rate | 45.2% | 66.5%-21.4pp | 77.8%-32.6pp | 68.1%-22.9pp |
| Annual return | 12.83% | 32.56%-19.7pp | 66.36%-53.5pp | 53.51%-40.7pp |
| Employer contribution / active EE | $842 | $2,622-67.9% | $4,175-79.8% | $2,552-67.0% |
| Participant deferral / active EE | $2,446 | $3,206-23.7% | $5,451-55.1% | $4,126-40.7% |
| Admin fee / account holder | $1,601 | $6,405-75.0% | $14,497-89.0% | $7,339-78.2% |