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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 | $57,073-50.2% | $85,126-66.6% | $80,925-64.9% |
| Participation rate | 30.6% | 56.4%-25.8pp | 67.5%-36.9pp | 67.7%-37.0pp |
| Annual return | 5.81% | 21.69%-15.9pp | 66.63%-60.8pp | 35.65%-29.8pp |
| Employer contribution / active EE | $409 | $1,801-77.3% | $2,731-85.0% | $2,756-85.2% |
| Participant deferral / active EE | $988 | $3,113-68.3% | $4,523-78.2% | $4,299-77.0% |
| Admin fee / account holder | $2,799 | $4,988-43.9% | $6,160-54.6% | $6,940-59.7% |