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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 | $29,280 | $52,580-44.3% | $71,671-59.1% | $70,126-58.2% |
| Participation rate | 59.6% | 60.9%-1.3pp | 68.7%-9.1pp | 69.5%-9.9pp |
| Annual return | 12.18% | 20.25%-8.1pp | 20.65%-8.5pp | 73.15%-61.0pp |
| Employer contribution / active EE | $470 | $1,616-70.9% | $2,460-80.9% | $2,343-79.9% |
| Participant deferral / active EE | $1,437 | $2,386-39.8% | $3,438-58.2% | $3,332-56.9% |
| Admin fee / account holder | $916 | $3,653-74.9% | $5,558-83.5% | $4,645-80.3% |