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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 | $44,948 | $81,233-44.7% | $155,567-71.1% | $80,874-44.4% |
| Participation rate | 44.7% | 66.2%-21.5pp | 78.2%-33.5pp | 67.6%-22.9pp |
| Annual return | 8.95% | 33.33%-24.4pp | 64.74%-55.8pp | 35.62%-26.7pp |
| Employer contribution / active EE | $757 | $3,101-75.6% | $4,674-83.8% | $2,756-72.5% |
| Participant deferral / active EE | $1,709 | $3,452-50.5% | $5,628-69.6% | $4,297-60.2% |
| Admin fee / account holder | $579 | $7,998-92.8% | $15,916-96.4% | $6,935-91.6% |