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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 | $38,080 | $43,075-11.6% | $74,577-48.9% | $62,881-39.4% |
| Participation rate | 51.7% | 58.1%-6.3pp | 68.1%-16.4pp | 69.3%-17.6pp |
| Annual return | 4.78% | 17.50%-12.7pp | 20.47%-15.7pp | 20.14%-15.4pp |
| Employer contribution / active EE | $635 | $1,498-57.6% | $2,525-74.9% | $2,281-72.2% |
| Participant deferral / active EE | $1,845 | $2,389-22.8% | $3,458-46.6% | $3,203-42.4% |
| Admin fee / account holder | $4,609 | $2,840+62.3% | $4,138+11.4% | $4,296+7.3% |