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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 | $38,552 | $59,440-35.1% | $78,004-50.6% | $82,637-53.3% |
| Participation rate | 57.3% | 62.8%-5.5pp | 69.4%-12.1pp | 68.1%-10.8pp |
| Annual return | 8.03% | 40.24%-32.2pp | 31.07%-23.0pp | 53.51%-45.5pp |
| Employer contribution / active EE | $649 | $1,750-62.9% | $2,469-73.7% | $2,552-74.6% |
| Participant deferral / active EE | $2,022 | $3,138-35.6% | $4,092-50.6% | $4,126-51.0% |
| Admin fee / account holder | $1,515 | $5,504-72.5% | $7,578-80.0% | $7,339-79.4% |