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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 | $41,919 | $62,242-32.7% | $105,582-60.3% | $69,733-39.9% |
| Participation rate | 47.2% | 47.3%-0.1pp | 71.8%-24.6pp | 62.5%-15.3pp |
| Annual return | 11.42% | 15.40%-4.0pp | 18.61%-7.2pp | 15.22%-3.8pp |
| Employer contribution / active EE | $197 | $1,558-87.3% | $2,984-93.4% | $2,250-91.2% |
| Participant deferral / active EE | $2,021 | $2,462-17.9% | $4,353-53.6% | $3,054-33.8% |
| Admin fee / account holder | $2,168 | $4,615-53.0% | $12,856-83.1% | $3,102-30.1% |