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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 | $41,934 | $75,963-44.8% | $97,995-57.2% | $70,126-40.2% |
| Participation rate | 39.4% | 77.0%-37.6pp | 82.4%-43.0pp | 69.5%-30.1pp |
| Annual return | 10.21% | 19.26%-9.1pp | 23.94%-13.7pp | 73.15%-62.9pp |
| Employer contribution / active EE | $994 | $3,278-69.7% | $4,158-76.1% | $2,343-57.6% |
| Participant deferral / active EE | $2,225 | $4,053-45.1% | $5,097-56.4% | $3,332-33.2% |
| Admin fee / account holder | $397 | $5,407-92.7% | $5,943-93.3% | $4,645-91.5% |