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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 | $43,681 | $67,894-35.7% | $89,340-51.1% | $82,448-47.0% |
| Participation rate | 40.0% | 64.0%-24.0pp | 69.6%-29.6pp | 68.1%-28.1pp |
| Annual return | 12.66% | 19.21%-6.6pp | 20.57%-7.9pp | 41.64%-29.0pp |
| Employer contribution / active EE | $970 | $1,828-47.0% | $2,231-56.5% | $2,551-62.0% |
| Participant deferral / active EE | $1,697 | $3,072-44.8% | $3,823-55.6% | $4,139-59.0% |
| Admin fee / account holder | $563 | $5,723-90.2% | $6,704-91.6% | $7,234-92.2% |