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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 | $30,953 | $52,580-41.1% | $71,671-56.8% | $70,126-55.9% |
| Participation rate | 44.4% | 60.9%-16.4pp | 68.7%-24.3pp | 69.5%-25.1pp |
| Annual return | 12.13% | 20.25%-8.1pp | 20.65%-8.5pp | 73.15%-61.0pp |
| Employer contribution / active EE | $391 | $1,616-75.8% | $2,460-84.1% | $2,343-83.3% |
| Participant deferral / active EE | $1,231 | $2,386-48.4% | $3,438-64.2% | $3,332-63.0% |
| Admin fee / account holder | $8,343 | $3,653+128.4% | $5,558+50.1% | $4,645+79.6% |