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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 | $38,674 | $37,156+4.1% | $83,854-53.9% | $86,983-55.5% |
| Participation rate | 23.5% | 49.1%-25.5pp | 59.1%-35.6pp | 69.5%-46.0pp |
| Annual return | 11.47% | 29.88%-18.4pp | 31.39%-19.9pp | 25.83%-14.4pp |
| Employer contribution / active EE | $539 | $661-18.4% | $1,017-47.0% | $2,584-79.1% |
| Participant deferral / active EE | $2,073 | $1,418+46.2% | $2,035+1.9% | $4,194-50.6% |
| Admin fee / account holder | $17,859 | $2,510+611.6% | $3,197+458.7% | $7,856+127.3% |