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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 | $42,480 | $54,541-22.1% | $78,778-46.1% | $70,124-39.4% |
| Participation rate | 40.7% | 60.8%-20.1pp | 69.2%-28.5pp | 69.5%-28.8pp |
| Annual return | 12.08% | 21.07%-9.0pp | 35.62%-23.5pp | 73.14%-61.1pp |
| Employer contribution / active EE | $493 | $1,089-54.7% | $1,986-75.2% | $2,342-79.0% |
| Participant deferral / active EE | $1,375 | $2,210-37.8% | $2,958-53.5% | $3,332-58.7% |
| Admin fee / account holder | $3,312 | $3,709-10.7% | $5,134-35.5% | $4,645-28.7% |