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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 | $31,291 | $53,774-41.8% | $134,162-76.7% | $79,856-60.8% |
| Participation rate | 32.4% | 58.8%-26.4pp | 72.2%-39.8pp | 69.6%-37.3pp |
| Annual return | 10.09% | 19.01%-8.9pp | 36.35%-26.3pp | 31.71%-21.6pp |
| Employer contribution / active EE | $919 | $1,322-30.4% | $3,705-75.2% | $2,471-62.8% |
| Participant deferral / active EE | $1,487 | $2,420-38.6% | $3,500-57.5% | $3,741-60.3% |
| Admin fee / account holder | $13,076 | $3,985+228.1% | $6,685+95.6% | $5,306+146.4% |