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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 | $12,514 | $57,119-78.1% | $85,187-85.3% | $80,935-84.5% |
| Participation rate | 33.3% | 56.4%-23.1pp | 67.5%-34.2pp | 67.7%-34.3pp |
| Annual return | 10.31% | 21.70%-11.4pp | 66.67%-56.4pp | 35.66%-25.3pp |
| Employer contribution / active EE | $478 | $1,802-73.4% | $2,732-82.5% | $2,757-82.6% |
| Participant deferral / active EE | $2,041 | $3,115-34.5% | $4,525-54.9% | $4,299-52.5% |
| Admin fee / account holder | $1,898 | $4,990-62.0% | $6,162-69.2% | $6,924-72.6% |