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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 | $18,815 | $50,554-62.8% | $67,681-72.2% | $87,485-78.5% |
| Participation rate | 59.5% | 67.7%-8.2pp | 73.7%-14.2pp | 68.9%-9.4pp |
| Annual return | 6.98% | 17.81%-10.8pp | 590.58%-583.6pp | 26.06%-19.1pp |
| Employer contribution / active EE | $1,133 | $1,988-43.0% | $2,678-57.7% | $2,596-56.4% |
| Participant deferral / active EE | $3,206 | $2,961+8.3% | $3,976-19.4% | $4,274-25.0% |
| Admin fee / account holder | $3,038 | $4,132-26.5% | $6,100-50.2% | $7,775-60.9% |