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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 | $43,123 | $60,349-28.5% | $74,184-41.9% | $62,881-31.4% |
| Participation rate | 61.8% | 72.7%-11.0pp | 76.6%-14.9pp | 69.3%-7.5pp |
| Annual return | 1.83% | 21.38%-19.5pp | 17.74%-15.9pp | 20.14%-18.3pp |
| Employer contribution / active EE | $560 | $1,680-66.7% | $2,370-76.4% | $2,281-75.5% |
| Participant deferral / active EE | $2,546 | $2,856-10.9% | $3,550-28.3% | $3,203-20.5% |
| Admin fee / account holder | $1,086 | $4,261-74.5% | $5,586-80.5% | $4,296-74.7% |