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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 | $24,108 | $56,894-57.6% | $84,753-71.6% | $62,881-61.7% |
| Participation rate | 44.8% | 68.5%-23.7pp | 76.6%-31.8pp | 69.3%-24.5pp |
| Annual return | 3.93% | 6.30%-2.4pp | 22.78%-18.8pp | 20.14%-16.2pp |
| Employer contribution / active EE | $888 | $2,400-63.0% | $3,574-75.2% | $2,281-61.1% |
| Participant deferral / active EE | $2,635 | $2,709-2.7% | $3,712-29.0% | $3,203-17.7% |
| Admin fee / account holder | $467 | $3,581-87.0% | $5,333-91.2% | $4,296-89.1% |