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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 | $45,968 | $50,385-8.8% | $75,501-39.1% | $62,293-26.2% |
| Participation rate | 30.6% | 67.7%-37.1pp | 72.4%-41.7pp | 69.5%-38.9pp |
| Annual return | 10.56% | 19.90%-9.3pp | 27.35%-16.8pp | 28.90%-18.3pp |
| Employer contribution / active EE | $444 | $1,537-71.1% | $2,352-81.1% | $2,042-78.2% |
| Participant deferral / active EE | $1,271 | $2,445-48.0% | $3,142-59.5% | $3,169-59.9% |
| Admin fee / account holder | $1,779 | $384+363.1% | $5,801-69.3% | $479+271.1% |