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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 | $36,595 | $43,496-15.9% | $161,489-77.3% | $64,340-43.1% |
| Participation rate | 21.6% | 53.5%-31.9pp | 78.7%-57.1pp | 55.2%-33.6pp |
| Annual return | 6.48% | 20.76%-14.3pp | 89.72%-83.2pp | 24.14%-17.7pp |
| Employer contribution / active EE | $990 | $1,431-30.8% | $4,268-76.8% | $1,862-46.8% |
| Participant deferral / active EE | $1,397 | $1,996-30.0% | $5,630-75.2% | $2,980-53.1% |
| Admin fee / account holder | $1,533 | $2,330-34.2% | $16,006-90.4% | $3,703-58.6% |