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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 | $76,834-43.6% | $108,359-60.0% | $87,485-50.5% |
| Participation rate | 48.1% | 61.7%-13.6pp | 70.1%-22.0pp | 68.9%-20.8pp |
| Annual return | 9.62% | 19.09%-9.5pp | 36.89%-27.3pp | 26.06%-16.4pp |
| Employer contribution / active EE | $1,087 | $1,556-30.1% | $2,399-54.7% | $2,596-58.1% |
| Participant deferral / active EE | $1,749 | $3,100-43.6% | $4,137-57.7% | $4,274-59.1% |
| Admin fee / account holder | $525 | $6,537-92.0% | $9,741-94.6% | $7,775-93.2% |