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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 | $40,452 | $78,520-48.5% | $96,576-58.1% | $82,448-50.9% |
| Participation rate | 60.3% | 77.7%-17.4pp | 81.4%-21.1pp | 68.1%-7.8pp |
| Annual return | 14.31% | 41.30%-27.0pp | 38.47%-24.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $794 | $2,630-69.8% | $3,553-77.7% | $2,551-68.9% |
| Participant deferral / active EE | $3,574 | $6,754-47.1% | $7,956-55.1% | $4,139-13.7% |
| Admin fee / account holder | $5,586 | $13,455-58.5% | $11,381-50.9% | $7,234-22.8% |