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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 | $41,994 | $56,054-25.1% | $171,082-75.5% | $62,881-33.2% |
| Participation rate | 25.5% | 62.9%-37.3pp | 76.7%-51.2pp | 69.3%-43.8pp |
| Annual return | 0.29% | 22.52%-22.2pp | 32.56%-32.3pp | 20.14%-19.9pp |
| Employer contribution / active EE | $868 | $1,731-49.8% | $4,002-78.3% | $2,281-61.9% |
| Participant deferral / active EE | $2,419 | $3,158-23.4% | $4,797-49.6% | $3,203-24.5% |
| Admin fee / account holder | $3,456 | $3,647-5.2% | $8,520-59.4% | $4,296-19.5% |