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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 | $42,569 | $73,787-42.3% | $98,716-56.9% | $82,448-48.4% |
| Participation rate | 41.4% | 61.4%-20.0pp | 69.3%-27.9pp | 68.1%-26.7pp |
| Annual return | 9.15% | 18.57%-9.4pp | 31.81%-22.7pp | 41.64%-32.5pp |
| Employer contribution / active EE | $331 | $1,511-78.1% | $2,279-85.5% | $2,551-87.0% |
| Participant deferral / active EE | $2,299 | $3,081-25.4% | $4,048-43.2% | $4,139-44.5% |
| Admin fee / account holder | $1,871 | $6,500-71.2% | $8,703-78.5% | $7,234-74.1% |