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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 | $37,741 | $48,300-21.9% | $40,145,923-99.9% | $62,881-40.0% |
| Participation rate | 57.7% | 62.0%-4.4pp | 68.4%-10.7pp | 69.3%-11.6pp |
| Annual return | 2.34% | 6.95%-4.6pp | 5.24%-2.9pp | 20.14%-17.8pp |
| Employer contribution / active EE | $300 | $1,333-77.5% | $1,844-83.7% | $2,281-86.8% |
| Participant deferral / active EE | $2,167 | $2,388-9.3% | $2,591-16.4% | $3,203-32.4% |
| Admin fee / account holder | $380 | $2,919-87.0% | $2,903-86.9% | $4,296-91.1% |