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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 | $81,504-58.0% | $102,437-66.6% | $80,959-57.7% |
| Participation rate | 44.7% | 66.9%-22.1pp | 74.5%-29.8pp | 67.7%-22.9pp |
| Annual return | 7.92% | 25.60%-17.7pp | 24.95%-17.0pp | 35.67%-27.7pp |
| Employer contribution / active EE | $889 | $3,104-71.4% | $3,871-77.0% | $2,757-67.8% |
| Participant deferral / active EE | $2,462 | $3,871-36.4% | $5,060-51.4% | $4,300-42.8% |
| Admin fee / account holder | $1,246 | $6,719-81.5% | $8,388-85.1% | $6,925-82.0% |