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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 | $38,520 | $104,251-63.1% | $91,004-57.7% | $147,585-73.9% |
| Participation rate | 56.5% | 78.2%-21.7pp | 75.6%-19.1pp | 82.8%-26.3pp |
| Annual return | 4.75% | 27.06%-22.3pp | 4.60%+0.2pp | 578.58%-573.8pp |
| Employer contribution / active EE | $659 | $3,116-78.8% | $2,456-73.2% | $4,876-86.5% |
| Participant deferral / active EE | $1,839 | $4,195-56.2% | $3,548-48.2% | $5,439-66.2% |
| Admin fee / account holder | $832 | $8,948-90.7% | $5,417-84.6% | $10,886-92.4% |