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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 | $36,614 | $52,580-30.4% | $71,671-48.9% | $70,126-47.8% |
| Participation rate | 36.0% | 60.9%-24.9pp | 68.7%-32.7pp | 69.5%-33.5pp |
| Annual return | 4.13% | 20.25%-16.1pp | 20.65%-16.5pp | 73.15%-69.0pp |
| Employer contribution / active EE | $684 | $1,616-57.7% | $2,460-72.2% | $2,343-70.8% |
| Participant deferral / active EE | $1,900 | $2,386-20.4% | $3,438-44.7% | $3,332-43.0% |
| Admin fee / account holder | $948 | $3,653-74.0% | $5,558-82.9% | $4,645-79.6% |