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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 | $22,408 | $61,605-63.6% | $112,273-80.0% | $75,173-70.2% |
| Participation rate | 31.6% | 61.7%-30.0pp | 72.4%-40.8pp | 67.2%-35.6pp |
| Annual return | 9.65% | 28.47%-18.8pp | 30.23%-20.6pp | 160.72%-151.1pp |
| Employer contribution / active EE | $1,232 | $2,015-38.9% | $3,431-64.1% | $2,671-53.9% |
| Participant deferral / active EE | $1,229 | $3,108-60.5% | $4,800-74.4% | $4,126-70.2% |
| Admin fee / account holder | $1,121 | $4,862-76.9% | $7,752-85.5% | $5,651-80.2% |