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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 | $29,592 | $56,894-48.0% | $84,753-65.1% | $62,881-52.9% |
| Participation rate | 57.6% | 68.5%-11.0pp | 76.6%-19.0pp | 69.3%-11.7pp |
| Annual return | 3.42% | 6.30%-2.9pp | 22.78%-19.4pp | 20.14%-16.7pp |
| Employer contribution / active EE | $1,284 | $2,400-46.5% | $3,574-64.1% | $2,281-43.7% |
| Participant deferral / active EE | $4,098 | $2,709+51.3% | $3,712+10.4% | $3,203+27.9% |
| Admin fee / account holder | $3,799 | $3,581+6.1% | $5,333-28.8% | $4,296-11.6% |