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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 | $44,494 | $73,988-39.9% | $96,538-53.9% | $75,177-40.8% |
| Participation rate | 34.6% | 66.4%-31.8pp | 74.3%-39.7pp | 67.2%-32.6pp |
| Annual return | 10.08% | 26.73%-16.6pp | 35.74%-25.7pp | 160.75%-150.7pp |
| Employer contribution / active EE | $962 | $2,930-67.2% | $3,740-74.3% | $2,671-64.0% |
| Participant deferral / active EE | $1,809 | $3,660-50.6% | $4,880-62.9% | $4,126-56.2% |
| Admin fee / account holder | $2,397 | $5,220-54.1% | $6,737-64.4% | $5,651-57.6% |