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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 | $31,714 | $72,492-56.3% | $87,104-63.6% | $72,975-56.5% |
| Participation rate | 51.5% | 72.8%-21.3pp | 76.9%-25.4pp | 69.5%-18.0pp |
| Annual return | 13.36% | 24.46%-11.1pp | 28.19%-14.8pp | 81.01%-67.7pp |
| Employer contribution / active EE | $952 | $1,894-49.8% | $2,521-62.3% | $2,440-61.0% |
| Participant deferral / active EE | $1,665 | $3,270-49.1% | $4,048-58.9% | $3,608-53.9% |
| Admin fee / account holder | $1,231 | $5,055-75.7% | $7,491-83.6% | $5,124-76.0% |