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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 | $39,160 | $55,713-29.7% | $75,901-48.4% | $72,975-46.3% |
| Participation rate | 41.4% | 61.1%-19.7pp | 69.3%-27.9pp | 69.5%-28.1pp |
| Annual return | 6.97% | 27.60%-20.6pp | 30.76%-23.8pp | 81.01%-74.0pp |
| Employer contribution / active EE | $807 | $1,687-52.2% | $2,501-67.7% | $2,440-66.9% |
| Participant deferral / active EE | $1,751 | $2,634-33.5% | $3,603-51.4% | $3,608-51.5% |
| Admin fee / account holder | $745 | $3,980-81.3% | $5,420-86.3% | $5,124-85.5% |