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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 | $43,338 | $73,787-41.3% | $98,716-56.1% | $82,448-47.4% |
| Participation rate | 48.1% | 61.4%-13.3pp | 69.3%-21.1pp | 68.1%-19.9pp |
| Annual return | 9.62% | 18.57%-8.9pp | 31.81%-22.2pp | 41.64%-32.0pp |
| Employer contribution / active EE | $1,087 | $1,511-28.0% | $2,279-52.3% | $2,551-57.4% |
| Participant deferral / active EE | $1,749 | $3,081-43.2% | $4,048-56.8% | $4,139-57.8% |
| Admin fee / account holder | $525 | $6,500-91.9% | $8,703-94.0% | $7,234-92.7% |