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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 | $58,378 | $52,306+11.6% | $69,779-16.3% | $62,881-7.2% |
| Participation rate | 43.3% | 67.2%-23.9pp | 71.8%-28.5pp | 69.3%-26.0pp |
| Annual return | 4.03% | 13.35%-9.3pp | 12.99%-9.0pp | 20.14%-16.1pp |
| Employer contribution / active EE | $359 | $1,799-80.1% | $2,338-84.7% | $2,281-84.3% |
| Participant deferral / active EE | $948 | $2,395-60.4% | $2,931-67.6% | $3,203-70.4% |
| Admin fee / account holder | $1,727 | $3,691-53.2% | $4,381-60.6% | $4,296-59.8% |