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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 | $40,239 | $57,590-30.1% | $86,233-53.3% | $82,448-51.2% |
| Participation rate | 47.1% | 57.9%-10.8pp | 69.0%-22.0pp | 68.1%-21.0pp |
| Annual return | 12.12% | 22.41%-10.3pp | 61.39%-49.3pp | 41.64%-29.5pp |
| Employer contribution / active EE | $975 | $1,655-41.1% | $2,504-61.1% | $2,551-61.8% |
| Participant deferral / active EE | $1,636 | $3,080-46.9% | $4,559-64.1% | $4,139-60.5% |
| Admin fee / account holder | $640 | $4,730-86.5% | $8,342-92.3% | $7,234-91.2% |