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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 | $28,397 | $57,140-50.3% | $85,240-66.7% | $80,959-64.9% |
| Participation rate | 30.6% | 56.4%-25.8pp | 67.5%-36.9pp | 67.7%-37.1pp |
| Annual return | 5.81% | 21.71%-15.9pp | 66.75%-60.9pp | 35.67%-29.9pp |
| Employer contribution / active EE | $409 | $1,802-77.3% | $2,735-85.0% | $2,757-85.2% |
| Participant deferral / active EE | $988 | $3,115-68.3% | $4,527-78.2% | $4,300-77.0% |
| Admin fee / account holder | $2,799 | $4,992-43.9% | $6,165-54.6% | $6,925-59.6% |