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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 | $42,377 | $57,073-25.8% | $85,126-50.2% | $80,925-47.6% |
| Participation rate | 18.2% | 56.4%-38.2pp | 67.5%-49.3pp | 67.7%-49.5pp |
| Annual return | 10.24% | 21.69%-11.5pp | 66.63%-56.4pp | 35.65%-25.4pp |
| Employer contribution / active EE | $538 | $1,801-70.1% | $2,731-80.3% | $2,756-80.5% |
| Participant deferral / active EE | $2,292 | $3,113-26.4% | $4,523-49.3% | $4,299-46.7% |
| Admin fee / account holder | $4,268 | $4,988-14.4% | $6,160-30.7% | $6,940-38.5% |