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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 | $28,584 | $48,364-40.9% | $71,796-60.2% | $62,881-54.5% |
| Participation rate | 44.0% | 60.6%-16.6pp | 69.1%-25.1pp | 69.3%-25.3pp |
| Annual return | 1.40% | 13.16%-11.8pp | 78.04%-76.6pp | 20.14%-18.7pp |
| Employer contribution / active EE | $608 | $1,042-41.6% | $1,924-68.4% | $2,281-73.3% |
| Participant deferral / active EE | $1,698 | $2,091-18.8% | $2,794-39.2% | $3,203-47.0% |
| Admin fee / account holder | $766 | $3,771-79.7% | $4,815-84.1% | $4,296-82.2% |