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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 | $42,353 | $67,602-37.3% | $82,312-48.5% | $70,126-39.6% |
| Participation rate | 28.0% | 72.8%-44.8pp | 76.9%-48.9pp | 69.5%-41.5pp |
| Annual return | 10.44% | 21.57%-11.1pp | 25.88%-15.4pp | 73.15%-62.7pp |
| Employer contribution / active EE | $638 | $1,755-63.7% | $2,428-73.7% | $2,343-72.8% |
| Participant deferral / active EE | $1,744 | $2,987-41.6% | $3,706-53.0% | $3,332-47.7% |
| Admin fee / account holder | $2,393 | $4,512-47.0% | $5,608-57.3% | $4,645-48.5% |