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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 | $44,900 | $51,283-12.4% | $95,740-53.1% | $71,511-37.2% |
| Participation rate | 42.5% | 63.1%-20.6pp | 72.3%-29.8pp | 67.9%-25.5pp |
| Annual return | 14.26% | 25.25%-11.0pp | 28.41%-14.2pp | 28.86%-14.6pp |
| Employer contribution / active EE | $946 | $1,817-48.0% | $2,836-66.7% | $2,589-63.5% |
| Participant deferral / active EE | $1,783 | $3,365-47.0% | $4,244-58.0% | $4,291-58.4% |
| Admin fee / account holder | $1,421 | $1,135+25.2% | $5,676-75.0% | $1,588-10.5% |