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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 | $7,569 | $35,183-78.5% | $73,545-89.7% | $70,124-89.2% |
| Participation rate | 48.6% | 42.9%+5.7pp | 54.9%-6.3pp | 69.5%-20.9pp |
| Annual return | 10.85% | 26.90%-16.1pp | -15.16%+26.0pp | 73.14%-62.3pp |
| Employer contribution / active EE | $410 | $709-42.2% | $1,219-66.4% | $2,342-82.5% |
| Participant deferral / active EE | $1,448 | $1,220+18.7% | $1,806-19.9% | $3,332-56.6% |
| Admin fee / account holder | $3,068 | $2,302+33.3% | $2,320+32.3% | $4,645-34.0% |