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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 | $41,308 | $67,894-39.2% | $89,340-53.8% | $82,448-49.9% |
| Participation rate | 33.3% | 64.0%-30.7pp | 69.6%-36.2pp | 68.1%-34.7pp |
| Annual return | 9.16% | 19.21%-10.0pp | 20.57%-11.4pp | 41.64%-32.5pp |
| Employer contribution / active EE | $661 | $1,828-63.8% | $2,231-70.4% | $2,551-74.1% |
| Participant deferral / active EE | $1,721 | $3,072-44.0% | $3,823-55.0% | $4,139-58.4% |
| Admin fee / account holder | $975 | $5,723-83.0% | $6,704-85.5% | $7,234-86.5% |