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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 | $42,941 | $73,978-42.0% | $96,515-55.5% | $75,173-42.9% |
| Participation rate | 36.6% | 66.4%-29.8pp | 74.3%-37.8pp | 67.2%-30.6pp |
| Annual return | 12.89% | 26.72%-13.8pp | 35.73%-22.8pp | 160.72%-147.8pp |
| Employer contribution / active EE | $828 | $2,931-71.8% | $3,740-77.9% | $2,671-69.0% |
| Participant deferral / active EE | $1,769 | $3,660-51.7% | $4,880-63.7% | $4,126-57.1% |
| Admin fee / account holder | $12,898 | $5,219+147.2% | $6,735+91.5% | $5,651+128.3% |