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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 | $24,758 | $69,444-64.3% | $92,985-73.4% | $87,485-71.7% |
| Participation rate | 36.8% | 63.3%-26.4pp | 69.5%-32.6pp | 68.9%-32.1pp |
| Annual return | 9.72% | 23.85%-14.1pp | 27.99%-18.3pp | 26.06%-16.3pp |
| Employer contribution / active EE | $523 | $1,917-72.7% | $2,662-80.4% | $2,596-79.9% |
| Participant deferral / active EE | $1,589 | $3,364-52.8% | $4,377-63.7% | $4,274-62.8% |
| Admin fee / account holder | $2,852 | $6,137-53.5% | $9,463-69.9% | $7,775-63.3% |