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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 | $33,567 | $37,156-9.7% | $83,854-60.0% | $86,983-61.4% |
| Participation rate | 34.1% | 49.1%-14.9pp | 59.1%-25.0pp | 69.5%-35.4pp |
| Annual return | 11.98% | 29.88%-17.9pp | 31.39%-19.4pp | 25.83%-13.8pp |
| Employer contribution / active EE | $679 | $661+2.7% | $1,017-33.3% | $2,584-73.7% |
| Participant deferral / active EE | $1,151 | $1,418-18.8% | $2,035-43.4% | $4,194-72.6% |
| Admin fee / account holder | $1,739 | $2,510-30.7% | $3,197-45.6% | $7,856-77.9% |