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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 | $41,499 | $76,407-45.7% | $150,298-72.4% | $82,448-49.7% |
| Participation rate | 26.4% | 66.4%-40.0pp | 77.8%-51.3pp | 68.1%-41.6pp |
| Annual return | 12.21% | 39.99%-27.8pp | 62.79%-50.6pp | 41.64%-29.4pp |
| Employer contribution / active EE | $319 | $2,614-87.8% | $4,154-92.3% | $2,551-87.5% |
| Participant deferral / active EE | $1,044 | $3,214-67.5% | $5,453-80.9% | $4,139-74.8% |
| Admin fee / account holder | $2,613 | $6,352-58.9% | $14,116-81.5% | $7,234-63.9% |