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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 | $32,725 | $60,349-45.8% | $74,184-55.9% | $62,881-48.0% |
| Participation rate | 38.2% | 72.7%-34.5pp | 76.6%-38.4pp | 69.3%-31.1pp |
| Annual return | 4.17% | 21.38%-17.2pp | 17.74%-13.6pp | 20.14%-16.0pp |
| Employer contribution / active EE | $780 | $1,680-53.6% | $2,370-67.1% | $2,281-65.8% |
| Participant deferral / active EE | $1,319 | $2,856-53.8% | $3,550-62.8% | $3,203-58.8% |
| Admin fee / account holder | $336 | $4,261-92.1% | $5,586-94.0% | $4,296-92.2% |