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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 | $39,196 | $56,054-30.1% | $171,082-77.1% | $62,881-37.7% |
| Participation rate | 40.6% | 62.9%-22.3pp | 76.7%-36.1pp | 69.3%-28.7pp |
| Annual return | 0.88% | 22.52%-21.6pp | 32.56%-31.7pp | 20.14%-19.3pp |
| Employer contribution / active EE | $604 | $1,731-65.1% | $4,002-84.9% | $2,281-73.5% |
| Participant deferral / active EE | $1,145 | $3,158-63.7% | $4,797-76.1% | $3,203-64.2% |
| Admin fee / account holder | $1,040 | $3,647-71.5% | $8,520-87.8% | $4,296-75.8% |