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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 | $33,464 | $52,306-36.0% | $69,779-52.0% | $62,881-46.8% |
| Participation rate | 55.9% | 67.2%-11.4pp | 71.8%-15.9pp | 69.3%-13.4pp |
| Annual return | 4.30% | 13.35%-9.1pp | 12.99%-8.7pp | 20.14%-15.8pp |
| Employer contribution / active EE | $1,215 | $1,799-32.4% | $2,338-48.0% | $2,281-46.7% |
| Participant deferral / active EE | $2,136 | $2,395-10.8% | $2,931-27.1% | $3,203-33.3% |
| Admin fee / account holder | $551 | $3,691-85.1% | $4,381-87.4% | $4,296-87.2% |