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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 | $20,109 | $52,306-61.6% | $69,779-71.2% | $62,881-68.0% |
| Participation rate | 39.1% | 67.2%-28.2pp | 71.8%-32.8pp | 69.3%-30.2pp |
| Annual return | 4.43% | 13.35%-8.9pp | 12.99%-8.6pp | 20.14%-15.7pp |
| Employer contribution / active EE | $1,063 | $1,799-40.9% | $2,338-54.5% | $2,281-53.4% |
| Participant deferral / active EE | $1,525 | $2,395-36.3% | $2,931-48.0% | $3,203-52.4% |
| Admin fee / account holder | $929 | $3,691-74.8% | $4,381-78.8% | $4,296-78.4% |