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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 | $47,071 | $86,938-45.9% | $102,423-54.0% | $80,925-41.8% |
| Participation rate | 42.9% | 72.4%-29.5pp | 76.5%-33.6pp | 67.7%-24.8pp |
| Annual return | 10.36% | 18.89%-8.5pp | 29.42%-19.1pp | 35.65%-25.3pp |
| Employer contribution / active EE | $851 | $2,369-64.1% | $3,023-71.9% | $2,756-69.1% |
| Participant deferral / active EE | $2,750 | $4,120-33.3% | $5,054-45.6% | $4,299-36.0% |
| Admin fee / account holder | $527 | $8,053-93.5% | $9,455-94.4% | $6,940-92.4% |