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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 | $21,352 | $75,541-71.7% | $152,093-86.0% | $82,637-74.2% |
| Participation rate | 51.6% | 66.5%-15.0pp | 77.8%-26.2pp | 68.1%-16.5pp |
| Annual return | 12.84% | 32.56%-19.7pp | 66.36%-53.5pp | 53.51%-40.7pp |
| Employer contribution / active EE | $920 | $2,622-64.9% | $4,175-78.0% | $2,552-63.9% |
| Participant deferral / active EE | $2,164 | $3,206-32.5% | $5,451-60.3% | $4,126-47.5% |
| Admin fee / account holder | $1,019 | $6,405-84.1% | $14,497-93.0% | $7,339-86.1% |