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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 | $33,926 | $69,590-51.2% | $136,867-75.2% | $94,015-63.9% |
| Participation rate | 58.8% | 66.3%-7.5pp | 74.5%-15.7pp | 70.8%-12.0pp |
| Annual return | 7.18% | 19.62%-12.4pp | 42.97%-35.8pp | 17.84%-10.7pp |
| Employer contribution / active EE | $379 | $2,396-84.2% | $3,547-89.3% | $2,790-86.4% |
| Participant deferral / active EE | $2,747 | $3,437-20.1% | $4,924-44.2% | $4,249-35.3% |
| Admin fee / account holder | $14,283 | $8,912+60.3% | $10,340+38.1% | $8,951+59.6% |