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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 | $37,532 | $55,636-32.5% | $81,991-54.2% | $73,493-48.9% |
| Participation rate | 54.6% | 62.3%-7.7pp | 69.3%-14.6pp | 70.7%-16.1pp |
| Annual return | 5.02% | 19.07%-14.0pp | 41.31%-36.3pp | 28.51%-23.5pp |
| Employer contribution / active EE | $701 | $1,625-56.8% | $2,498-71.9% | $2,270-69.1% |
| Participant deferral / active EE | $1,416 | $2,762-48.7% | $3,722-62.0% | $3,740-62.1% |
| Admin fee / account holder | $1,595 | $493+223.6% | $5,665-71.8% | $513+210.8% |