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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 | $39,104 | $87,166-55.1% | $76,735-49.0% | $137,256-71.5% |
| Participation rate | 33.3% | 74.4%-41.0pp | 69.5%-36.2pp | 80.0%-46.6pp |
| Annual return | 9.18% | 26.50%-17.3pp | 29.77%-20.6pp | 220.34%-211.2pp |
| Employer contribution / active EE | $626 | $2,904-78.4% | $2,454-74.5% | $4,156-84.9% |
| Participant deferral / active EE | $1,907 | $4,726-59.7% | $4,088-53.4% | $6,407-70.2% |
| Admin fee / account holder | $23,749 | $8,403+182.6% | $7,189+230.3% | $12,270+93.6% |