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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 | $42,739 | $46,877-8.8% | $122,354-65.1% | $70,126-39.1% |
| Participation rate | 44.2% | 58.2%-14.0pp | 71.6%-27.5pp | 69.5%-25.4pp |
| Annual return | 12.70% | 24.22%-11.5pp | 30.28%-17.6pp | 73.15%-60.4pp |
| Employer contribution / active EE | $689 | $1,288-46.5% | $4,051-83.0% | $2,343-70.6% |
| Participant deferral / active EE | $1,577 | $2,167-27.2% | $3,287-52.0% | $3,332-52.7% |
| Admin fee / account holder | $3,993 | $3,324+20.1% | $5,479-27.1% | $4,645-14.1% |