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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 | $22,281 | $75,058-70.3% | $152,301-85.4% | $64,340-65.4% |
| Participation rate | 41.9% | 60.9%-19.0pp | 82.4%-40.5pp | 55.2%-13.3pp |
| Annual return | 13.73% | 29.93%-16.2pp | 80.50%-66.8pp | 24.14%-10.4pp |
| Employer contribution / active EE | $391 | $2,605-85.0% | $4,624-91.6% | $1,862-79.0% |
| Participant deferral / active EE | $1,341 | $5,041-73.4% | $8,004-83.2% | $2,980-55.0% |
| Admin fee / account holder | $1,141 | $4,050-71.8% | $14,398-92.1% | $3,703-69.2% |