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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 | $32,942 | $77,896-57.7% | $134,172-75.4% | $82,448-60.0% |
| Participation rate | 44.0% | 62.8%-18.8pp | 72.5%-28.5pp | 68.1%-24.1pp |
| Annual return | 12.07% | 18.21%-6.1pp | 25.30%-13.2pp | 41.64%-29.6pp |
| Employer contribution / active EE | $963 | $2,159-55.4% | $3,420-71.8% | $2,551-62.2% |
| Participant deferral / active EE | $1,566 | $3,162-50.5% | $4,690-66.6% | $4,139-62.2% |
| Admin fee / account holder | $4,957 | $6,336-21.8% | $12,016-58.7% | $7,234-31.5% |