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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 | $23,238 | $90,400-74.3% | $186,193-87.5% | $87,485-73.4% |
| Participation rate | 50.6% | 66.2%-15.6pp | 77.1%-26.5pp | 68.9%-18.4pp |
| Annual return | 12.99% | 22.15%-9.2pp | 78.03%-65.0pp | 26.06%-13.1pp |
| Employer contribution / active EE | $1,483 | $2,170-31.7% | $3,918-62.2% | $2,596-42.9% |
| Participant deferral / active EE | $2,965 | $4,330-31.5% | $6,513-54.5% | $4,274-30.6% |
| Admin fee / account holder | $10,371 | $8,673+19.6% | $11,058-6.2% | $7,775+33.4% |