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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 | $36,804 | $63,764-42.3% | $81,926-55.1% | $79,858-53.9% |
| Participation rate | 44.4% | 67.5%-23.1pp | 72.0%-27.5pp | 69.6%-25.2pp |
| Annual return | 8.34% | 22.66%-14.3pp | 29.49%-21.2pp | 31.72%-23.4pp |
| Employer contribution / active EE | $802 | $1,795-55.3% | $4,310-81.4% | $2,471-67.5% |
| Participant deferral / active EE | $1,536 | $2,780-44.8% | $7,108-78.4% | $3,740-58.9% |
| Admin fee / account holder | $4,342 | $4,426-1.9% | $5,159-15.8% | $5,306-18.2% |