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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 | $35,791 | $57,119-37.3% | $85,187-58.0% | $80,935-55.8% |
| Participation rate | 33.3% | 56.4%-23.1pp | 67.5%-34.2pp | 67.7%-34.3pp |
| Annual return | 9.57% | 21.70%-12.1pp | 66.67%-57.1pp | 35.66%-26.1pp |
| Employer contribution / active EE | $628 | $1,802-65.2% | $2,732-77.0% | $2,757-77.2% |
| Participant deferral / active EE | $1,275 | $3,115-59.1% | $4,525-71.8% | $4,299-70.4% |
| Admin fee / account holder | $3,588 | $4,990-28.1% | $6,162-41.8% | $6,924-48.2% |