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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 | $32,848 | $54,541-39.8% | $78,778-58.3% | $70,124-53.2% |
| Participation rate | 45.9% | 60.8%-14.9pp | 69.2%-23.3pp | 69.5%-23.6pp |
| Annual return | 7.85% | 21.07%-13.2pp | 35.62%-27.8pp | 73.14%-65.3pp |
| Employer contribution / active EE | $850 | $1,089-21.9% | $1,986-57.2% | $2,342-63.7% |
| Participant deferral / active EE | $1,585 | $2,210-28.3% | $2,958-46.4% | $3,332-52.4% |
| Admin fee / account holder | $334 | $3,709-91.0% | $5,134-93.5% | $4,645-92.8% |