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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 | $32,756 | $37,156-11.8% | $83,854-60.9% | $86,983-62.3% |
| Participation rate | 38.0% | 49.1%-11.0pp | 59.1%-21.1pp | 69.5%-31.5pp |
| Annual return | 12.32% | 29.88%-17.6pp | 31.39%-19.1pp | 25.83%-13.5pp |
| Employer contribution / active EE | $562 | $661-14.9% | $1,017-44.7% | $2,584-78.2% |
| Participant deferral / active EE | $1,806 | $1,418+27.4% | $2,035-11.3% | $4,194-56.9% |
| Admin fee / account holder | $4,488 | $2,510+78.8% | $3,197+40.4% | $7,856-42.9% |