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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 | $38,390 | $32,037+19.8% | $69,182-44.5% | $62,881-38.9% |
| Participation rate | 41.3% | 43.4%-2.1pp | 55.1%-13.8pp | 69.3%-28.0pp |
| Annual return | 4.17% | 15.16%-11.0pp | -21.93%+26.1pp | 20.14%-16.0pp |
| Employer contribution / active EE | $732 | $679+7.7% | $1,206-39.4% | $2,281-67.9% |
| Participant deferral / active EE | $1,344 | $1,185+13.4% | $1,897-29.1% | $3,203-58.0% |
| Admin fee / account holder | $1,168 | $2,608-55.2% | $2,697-56.7% | $4,296-72.8% |