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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 | $31,954 | $65,361-51.1% | $92,903-65.6% | $72,983-56.2% |
| Participation rate | 43.8% | 68.3%-24.6pp | 76.0%-32.3pp | 69.5%-25.7pp |
| Annual return | 5.34% | 42.11%-36.8pp | 109.43%-104.1pp | 81.01%-75.7pp |
| Employer contribution / active EE | $2,372 | $2,594-8.5% | $3,653-35.1% | $2,440-2.8% |
| Participant deferral / active EE | $2,499 | $3,128-20.1% | $4,238-41.0% | $3,608-30.7% |
| Admin fee / account holder | $629 | $4,251-85.2% | $5,795-89.1% | $5,124-87.7% |