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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 | $42,123 | $77,574-45.7% | $108,753-61.3% | $86,983-51.6% |
| Participation rate | 44.0% | 62.3%-18.3pp | 71.1%-27.1pp | 69.5%-25.5pp |
| Annual return | 11.53% | 18.42%-6.9pp | 37.47%-25.9pp | 25.83%-14.3pp |
| Employer contribution / active EE | $722 | $1,611-55.2% | $2,427-70.2% | $2,584-72.1% |
| Participant deferral / active EE | $2,108 | $3,128-32.6% | $4,115-48.8% | $4,194-49.7% |
| Admin fee / account holder | $4,703 | $6,529-28.0% | $10,320-54.4% | $7,856-40.1% |