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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 | $33,408 | $57,119-41.5% | $85,187-60.8% | $80,935-58.7% |
| Participation rate | 26.2% | 56.4%-30.2pp | 67.5%-41.3pp | 67.7%-41.5pp |
| Annual return | 9.56% | 21.70%-12.1pp | 66.67%-57.1pp | 35.66%-26.1pp |
| Employer contribution / active EE | $452 | $1,802-74.9% | $2,732-83.5% | $2,757-83.6% |
| Participant deferral / active EE | $1,538 | $3,115-50.6% | $4,525-66.0% | $4,299-64.2% |
| Admin fee / account holder | $2,165 | $4,990-56.6% | $6,162-64.9% | $6,924-68.7% |