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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 | $22,801 | $25,014-8.8% | $69,632-67.3% | $80,959-71.8% |
| Participation rate | 32.1% | 64.2%-32.1pp | 66.4%-34.3pp | 67.7%-35.5pp |
| Annual return | 10.67% | 19.08%-8.4pp | 101.32%-90.7pp | 35.67%-25.0pp |
| Employer contribution / active EE | $441 | $991-55.5% | $1,708-74.2% | $2,757-84.0% |
| Participant deferral / active EE | $2,007 | $1,840+9.1% | $2,889-30.5% | $4,300-53.3% |
| Admin fee / account holder | $2,312 | $2,491-7.2% | $4,695-50.8% | $6,925-66.6% |