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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 | $29,351 | $71,208-58.8% | $93,681-68.7% | $80,911-63.7% |
| Participation rate | 28.0% | 60.4%-32.4pp | 68.7%-40.7pp | 67.6%-39.6pp |
| Annual return | 8.99% | 11.27%-2.3pp | 133.47%-124.5pp | 35.63%-26.6pp |
| Employer contribution / active EE | $587 | $1,564-62.5% | $2,422-75.8% | $2,756-78.7% |
| Participant deferral / active EE | $3,055 | $4,035-24.3% | $4,415-30.8% | $4,297-28.9% |
| Admin fee / account holder | $1,019 | $6,951-85.3% | $8,290-87.7% | $6,935-85.3% |