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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 | $44,597 | $64,920-31.3% | $103,693-57.0% | $86,983-48.7% |
| Participation rate | 24.3% | 63.6%-39.3pp | 72.6%-48.3pp | 69.5%-45.2pp |
| Annual return | 7.39% | 30.29%-22.9pp | 47.61%-40.2pp | 25.83%-18.4pp |
| Employer contribution / active EE | $273 | $2,141-87.2% | $2,920-90.6% | $2,584-89.4% |
| Participant deferral / active EE | $829 | $3,241-74.4% | $4,579-81.9% | $4,194-80.2% |
| Admin fee / account holder | $1,477 | $6,191-76.1% | $7,858-81.2% | $7,856-81.2% |