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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 | $22,922 | $56,894-59.7% | $84,753-73.0% | $62,881-63.5% |
| Participation rate | 39.4% | 68.5%-29.1pp | 76.6%-37.2pp | 69.3%-29.9pp |
| Annual return | 2.04% | 6.30%-4.3pp | 22.78%-20.7pp | 20.14%-18.1pp |
| Employer contribution / active EE | $1,847 | $2,400-23.0% | $3,574-48.3% | $2,281-19.0% |
| Participant deferral / active EE | $2,563 | $2,709-5.4% | $3,712-30.9% | $3,203-20.0% |
| Admin fee / account holder | $904 | $3,581-74.8% | $5,333-83.1% | $4,296-79.0% |