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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 | $25,164 | $48,078-47.7% | $78,676-68.0% | $62,881-60.0% |
| Participation rate | 44.8% | 65.2%-20.4pp | 73.6%-28.7pp | 69.3%-24.5pp |
| Annual return | 2.30% | 31.36%-29.1pp | 62.19%-59.9pp | 20.14%-17.8pp |
| Employer contribution / active EE | $633 | $2,015-68.6% | $2,850-77.8% | $2,281-72.2% |
| Participant deferral / active EE | $1,106 | $2,587-57.3% | $3,517-68.6% | $3,203-65.5% |
| Admin fee / account holder | $632 | $3,206-80.3% | $4,510-86.0% | $4,296-85.3% |