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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 | $43,233 | $67,894-36.3% | $89,340-51.6% | $82,448-47.6% |
| Participation rate | 29.4% | 64.0%-34.6pp | 69.6%-40.2pp | 68.1%-38.7pp |
| Annual return | 12.28% | 19.21%-6.9pp | 20.57%-8.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $879 | $1,828-51.9% | $2,231-60.6% | $2,551-65.5% |
| Participant deferral / active EE | $1,407 | $3,072-54.2% | $3,823-63.2% | $4,139-66.0% |
| Admin fee / account holder | $4,728 | $5,723-17.4% | $6,704-29.5% | $7,234-34.6% |