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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 | $21,523 | $78,690-72.6% | $161,489-86.7% | $87,485-75.4% |
| Participation rate | 32.7% | 67.5%-34.8pp | 78.7%-46.0pp | 68.9%-36.3pp |
| Annual return | 11.95% | 32.74%-20.8pp | 89.72%-77.8pp | 26.06%-14.1pp |
| Employer contribution / active EE | $852 | $2,588-67.1% | $4,268-80.0% | $2,596-67.2% |
| Participant deferral / active EE | $1,220 | $3,311-63.2% | $5,630-78.3% | $4,274-71.5% |
| Admin fee / account holder | $2,333 | $6,724-65.3% | $16,006-85.4% | $7,775-70.0% |