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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 | $44,324 | $72,273-38.7% | $101,275-56.2% | $79,856-44.5% |
| Participation rate | 39.1% | 68.5%-29.3pp | 75.8%-36.7pp | 69.6%-30.5pp |
| Annual return | 9.00% | 22.30%-13.3pp | 46.48%-37.5pp | 31.71%-22.7pp |
| Employer contribution / active EE | $988 | $2,691-63.3% | $3,660-73.0% | $2,471-60.0% |
| Participant deferral / active EE | $2,397 | $3,282-26.9% | $4,371-45.1% | $3,741-35.9% |
| Admin fee / account holder | $10,748 | $4,401+144.2% | $5,948+80.7% | $5,306+102.5% |