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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 | $36,458 | $57,590-36.7% | $86,233-57.7% | $82,448-55.8% |
| Participation rate | 21.9% | 57.9%-36.0pp | 69.0%-47.1pp | 68.1%-46.2pp |
| Annual return | 3.50% | 22.41%-18.9pp | 61.39%-57.9pp | 41.64%-38.1pp |
| Employer contribution / active EE | $390 | $1,655-76.4% | $2,504-84.4% | $2,551-84.7% |
| Participant deferral / active EE | $2,160 | $3,080-29.9% | $4,559-52.6% | $4,139-47.8% |
| Admin fee / account holder | $3,658 | $4,730-22.7% | $8,342-56.2% | $7,234-49.4% |