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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 | $37,706 | $81,233-53.6% | $155,567-75.8% | $80,874-53.4% |
| Participation rate | 48.6% | 66.2%-17.6pp | 78.2%-29.5pp | 67.6%-19.0pp |
| Annual return | 7.32% | 33.33%-26.0pp | 64.74%-57.4pp | 35.62%-28.3pp |
| Employer contribution / active EE | $703 | $3,101-77.3% | $4,674-85.0% | $2,756-74.5% |
| Participant deferral / active EE | $2,080 | $3,452-39.8% | $5,628-63.0% | $4,297-51.6% |
| Admin fee / account holder | $2,723 | $7,998-66.0% | $15,916-82.9% | $6,935-60.7% |