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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 | $38,260 | $81,331-53.0% | $155,534-75.4% | $80,935-52.7% |
| Participation rate | 34.2% | 66.3%-32.0pp | 78.2%-44.0pp | 67.7%-33.5pp |
| Annual return | 8.41% | 33.37%-25.0pp | 64.92%-56.5pp | 35.66%-27.3pp |
| Employer contribution / active EE | $593 | $3,105-80.9% | $4,675-87.3% | $2,757-78.5% |
| Participant deferral / active EE | $1,849 | $3,454-46.5% | $5,630-67.2% | $4,299-57.0% |
| Admin fee / account holder | $4,174 | $7,999-47.8% | $15,900-73.8% | $6,924-39.7% |