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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 | $35,156 | $72,012-51.2% | $185,827-81.1% | $79,858-56.0% |
| Participation rate | 44.8% | 65.8%-20.9pp | 78.0%-33.2pp | 69.6%-24.8pp |
| Annual return | 9.92% | 23.12%-13.2pp | 35.96%-26.0pp | 31.72%-21.8pp |
| Employer contribution / active EE | $914 | $1,965-53.5% | $4,087-77.6% | $2,471-63.0% |
| Participant deferral / active EE | $1,457 | $3,779-61.4% | $5,633-74.1% | $3,740-61.0% |
| Admin fee / account holder | $5,057 | $4,513+12.1% | $9,502-46.8% | $5,306-4.7% |