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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 | $34,219 | $81,446-58.0% | $103,374-66.9% | $80,874-57.7% |
| Participation rate | 44.7% | 66.9%-22.1pp | 74.5%-29.8pp | 67.6%-22.9pp |
| Annual return | 7.92% | 25.57%-17.6pp | 24.89%-17.0pp | 35.62%-27.7pp |
| Employer contribution / active EE | $889 | $3,107-71.4% | $3,869-77.0% | $2,756-67.8% |
| Participant deferral / active EE | $2,462 | $3,870-36.4% | $5,058-51.3% | $4,297-42.7% |
| Admin fee / account holder | $1,246 | $6,715-81.4% | $8,394-85.2% | $6,935-82.0% |