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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 | $37,349 | $41,377-9.7% | $109,313-65.8% | $62,881-40.6% |
| Participation rate | 57.1% | 57.5%-0.4pp | 71.3%-14.1pp | 69.3%-12.2pp |
| Annual return | 4.22% | 11.05%-6.8pp | 22.07%-17.8pp | 20.14%-15.9pp |
| Employer contribution / active EE | $434 | $1,276-66.0% | $3,892-88.9% | $2,281-81.0% |
| Participant deferral / active EE | $1,550 | $2,045-24.2% | $3,166-51.0% | $3,203-51.6% |
| Admin fee / account holder | $5,025 | $2,884+74.3% | $5,666-11.3% | $4,296+17.0% |