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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 | $44,394 | $59,440-25.3% | $78,004-43.1% | $82,637-46.3% |
| Participation rate | 33.3% | 62.8%-29.5pp | 69.4%-36.1pp | 68.1%-34.7pp |
| Annual return | 12.96% | 40.24%-27.3pp | 31.07%-18.1pp | 53.51%-40.5pp |
| Employer contribution / active EE | $626 | $1,750-64.2% | $2,469-74.7% | $2,552-75.5% |
| Participant deferral / active EE | $1,904 | $3,138-39.3% | $4,092-53.5% | $4,126-53.9% |
| Admin fee / account holder | $5,312 | $5,504-3.5% | $7,578-29.9% | $7,339-27.6% |