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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 | $33,951 | $60,352-43.7% | $74,185-54.2% | $62,881-46.0% |
| Participation rate | 48.4% | 72.7%-24.3pp | 76.6%-28.2pp | 69.3%-20.9pp |
| Annual return | 3.76% | 21.37%-17.6pp | 17.74%-14.0pp | 20.14%-16.4pp |
| Employer contribution / active EE | $1,063 | $1,680-36.7% | $2,370-55.1% | $2,281-53.4% |
| Participant deferral / active EE | $1,503 | $2,856-47.4% | $3,550-57.6% | $3,203-53.1% |
| Admin fee / account holder | $5,899 | $4,261+38.4% | $5,586+5.6% | $4,296+37.3% |