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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 | $33,398 | $54,541-38.8% | $78,778-57.6% | $70,126-52.4% |
| Participation rate | 51.9% | 60.8%-8.9pp | 69.2%-17.3pp | 69.5%-17.6pp |
| Annual return | 4.45% | 21.07%-16.6pp | 35.62%-31.2pp | 73.15%-68.7pp |
| Employer contribution / active EE | $828 | $1,089-23.9% | $1,986-58.3% | $2,343-64.6% |
| Participant deferral / active EE | $1,870 | $2,210-15.4% | $2,958-36.8% | $3,332-43.9% |
| Admin fee / account holder | $591 | $3,709-84.1% | $5,134-88.5% | $4,645-87.3% |