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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 | $44,583 | $48,300-7.7% | $40,145,923-99.9% | $62,881-29.1% |
| Participation rate | 39.2% | 62.0%-22.8pp | 68.4%-29.2pp | 69.3%-30.1pp |
| Annual return | 4.35% | 6.95%-2.6pp | 5.24%-0.9pp | 20.14%-15.8pp |
| Employer contribution / active EE | $476 | $1,333-64.3% | $1,844-74.2% | $2,281-79.1% |
| Participant deferral / active EE | $1,102 | $2,388-53.9% | $2,591-57.5% | $3,203-65.6% |
| Admin fee / account holder | $10,022 | $2,919+243.4% | $2,903+245.2% | $4,296+133.3% |