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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 | $40,468 | $68,878-41.2% | $120,574-66.4% | $80,935-50.0% |
| Participation rate | 52.8% | 61.7%-8.9pp | 71.9%-19.2pp | 67.7%-14.9pp |
| Annual return | 10.14% | 23.67%-13.5pp | 107.42%-97.3pp | 35.66%-25.5pp |
| Employer contribution / active EE | $776 | $2,065-62.4% | $3,471-77.6% | $2,757-71.8% |
| Participant deferral / active EE | $3,911 | $3,189+22.6% | $4,996-21.7% | $4,299-9.0% |
| Admin fee / account holder | $6,808 | $5,782+17.7% | $9,445-27.9% | $6,924-1.7% |