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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 | $33,453 | $43,075-22.3% | $74,577-55.1% | $62,881-46.8% |
| Participation rate | 37.5% | 58.1%-20.6pp | 68.1%-30.6pp | 69.3%-31.8pp |
| Annual return | 4.36% | 17.50%-13.1pp | 20.47%-16.1pp | 20.14%-15.8pp |
| Employer contribution / active EE | $199 | $1,498-86.7% | $2,525-92.1% | $2,281-91.3% |
| Participant deferral / active EE | $2,323 | $2,389-2.8% | $3,458-32.8% | $3,203-27.5% |
| Admin fee / account holder | $1,655 | $2,840-41.7% | $4,138-60.0% | $4,296-61.5% |