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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 | $38,574 | $54,541-29.3% | $78,778-51.0% | $70,126-45.0% |
| Participation rate | 47.2% | 60.8%-13.6pp | 69.2%-22.0pp | 69.5%-22.3pp |
| Annual return | 8.30% | 21.07%-12.8pp | 35.62%-27.3pp | 73.15%-64.8pp |
| Employer contribution / active EE | $384 | $1,089-64.7% | $1,986-80.6% | $2,343-83.6% |
| Participant deferral / active EE | $1,596 | $2,210-27.8% | $2,958-46.1% | $3,332-52.1% |
| Admin fee / account holder | $4,696 | $3,709+26.6% | $5,134-8.5% | $4,645+1.1% |