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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 | $26,941 | $48,078-44.0% | $78,676-65.8% | $62,881-57.2% |
| Participation rate | 54.2% | 65.2%-11.0pp | 73.6%-19.3pp | 69.3%-15.1pp |
| Annual return | 1.56% | 31.36%-29.8pp | 62.19%-60.6pp | 20.14%-18.6pp |
| Employer contribution / active EE | $698 | $2,015-65.3% | $2,850-75.5% | $2,281-69.4% |
| Participant deferral / active EE | $1,173 | $2,587-54.7% | $3,517-66.7% | $3,203-63.4% |
| Admin fee / account holder | $1,846 | $3,206-42.4% | $4,510-59.1% | $4,296-57.0% |