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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 | $8,278 | $57,061-85.5% | $85,063-90.3% | $80,911-89.8% |
| Participation rate | 42.4% | 56.3%-13.9pp | 67.5%-25.1pp | 67.6%-25.2pp |
| Annual return | 8.53% | 21.66%-13.1pp | 66.54%-58.0pp | 35.63%-27.1pp |
| Employer contribution / active EE | $1,129 | $1,799-37.2% | $2,727-58.6% | $2,756-59.0% |
| Participant deferral / active EE | $1,362 | $3,110-56.2% | $4,523-69.9% | $4,297-68.3% |
| Admin fee / account holder | $884 | $4,986-82.3% | $6,155-85.6% | $6,935-87.3% |