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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 | $40,087 | $55,684-28.0% | $75,900-47.2% | $72,976-45.1% |
| Participation rate | 40.5% | 61.1%-20.6pp | 69.3%-28.7pp | 69.5%-28.9pp |
| Annual return | 15.24% | 27.60%-12.4pp | 30.73%-15.5pp | 81.02%-65.8pp |
| Employer contribution / active EE | $303 | $1,687-82.0% | $2,501-87.9% | $2,440-87.6% |
| Participant deferral / active EE | $1,408 | $2,634-46.5% | $3,604-60.9% | $3,608-61.0% |
| Admin fee / account holder | $2,066 | $3,981-48.1% | $5,421-61.9% | $5,124-59.7% |