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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 | $43,324 | $41,377+4.7% | $109,313-60.4% | $62,881-31.1% |
| Participation rate | 35.6% | 57.5%-22.0pp | 71.3%-35.7pp | 69.3%-33.7pp |
| Annual return | 4.65% | 11.05%-6.4pp | 22.07%-17.4pp | 20.14%-15.5pp |
| Employer contribution / active EE | $683 | $1,276-46.5% | $3,892-82.5% | $2,281-70.1% |
| Participant deferral / active EE | $1,806 | $2,045-11.7% | $3,166-43.0% | $3,203-43.6% |
| Admin fee / account holder | $2,886 | $2,884+0.1% | $5,666-49.1% | $4,296-32.8% |