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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 | $41,015 | $76,551-46.4% | $123,894-66.9% | $62,881-34.8% |
| Participation rate | 53.3% | 73.0%-19.6pp | 81.4%-28.1pp | 69.3%-16.0pp |
| Annual return | 5.82% | 18.68%-12.9pp | 47.52%-41.7pp | 20.14%-14.3pp |
| Employer contribution / active EE | $571 | $2,882-80.2% | $4,617-87.6% | $2,281-75.0% |
| Participant deferral / active EE | $3,684 | $4,840-23.9% | $5,984-38.4% | $3,203+15.0% |
| Admin fee / account holder | $800 | $4,826-83.4% | $8,357-90.4% | $4,296-81.4% |