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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 | $31,711 | $84,953-62.7% | $163,379-80.6% | $82,637-61.6% |
| Participation rate | 38.2% | 65.9%-27.8pp | 76.8%-38.7pp | 68.1%-29.9pp |
| Annual return | 11.79% | 23.07%-11.3pp | 63.41%-51.6pp | 53.51%-41.7pp |
| Employer contribution / active EE | $1,348 | $2,183-38.2% | $3,752-64.1% | $2,552-47.2% |
| Participant deferral / active EE | $2,115 | $4,326-51.1% | $6,282-66.3% | $4,126-48.7% |
| Admin fee / account holder | $688 | $7,921-91.3% | $9,818-93.0% | $7,339-90.6% |