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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 | $72,607-43.1% | $90,259-54.2% | $87,485-52.8% |
| Participation rate | 33.3% | 64.8%-31.5pp | 70.7%-37.4pp | 68.9%-35.6pp |
| Annual return | 9.16% | 18.59%-9.4pp | 18.88%-9.7pp | 26.06%-16.9pp |
| Employer contribution / active EE | $661 | $1,919-65.6% | $2,291-71.1% | $2,596-74.5% |
| Participant deferral / active EE | $1,721 | $3,055-43.7% | $3,827-55.0% | $4,274-59.7% |
| Admin fee / account holder | $975 | $5,947-83.6% | $7,267-86.6% | $7,775-87.5% |