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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 | $47,095 | $47,944-1.8% | $67,834-30.6% | $62,881-25.1% |
| Participation rate | 39.3% | 61.1%-21.8pp | 68.8%-29.5pp | 69.3%-30.0pp |
| Annual return | 2.49% | 11.77%-9.3pp | 138.47%-136.0pp | 20.14%-17.7pp |
| Employer contribution / active EE | $737 | $1,562-52.8% | $2,403-69.3% | $2,281-67.7% |
| Participant deferral / active EE | $1,502 | $2,247-33.1% | $3,160-52.5% | $3,203-53.1% |
| Admin fee / account holder | $974 | $3,712-73.8% | $4,622-78.9% | $4,296-77.3% |