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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 | $32,531 | $78,013-58.3% | $178,449-81.8% | $80,911-59.8% |
| Participation rate | 40.0% | 65.7%-25.7pp | 77.1%-37.1pp | 67.6%-27.6pp |
| Annual return | 10.55% | 18.07%-7.5pp | 27.09%-16.5pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,199 | $2,287-47.6% | $3,951-69.7% | $2,756-56.5% |
| Participant deferral / active EE | $1,813 | $4,408-58.9% | $6,277-71.1% | $4,297-57.8% |
| Admin fee / account holder | $3,188 | $7,166-55.5% | $10,362-69.2% | $6,935-54.0% |