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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 | $39,424 | $45,312-13.0% | $86,233-54.3% | $67,986-42.0% |
| Participation rate | 29.9% | 42.4%-12.5pp | 69.0%-39.1pp | 57.2%-27.3pp |
| Annual return | 9.78% | 24.79%-15.0pp | 61.39%-51.6pp | 31.67%-21.9pp |
| Employer contribution / active EE | $813 | $1,160-29.9% | $2,504-67.5% | $2,019-59.7% |
| Participant deferral / active EE | $1,475 | $2,185-32.5% | $4,559-67.7% | $3,358-56.1% |
| Admin fee / account holder | $8,208 | $3,295+149.1% | $8,342-1.6% | $3,203+156.3% |