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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 | $33,201 | $60,442-45.1% | $96,754-65.7% | $87,485-62.0% |
| Participation rate | 41.7% | 58.7%-17.0pp | 70.3%-28.6pp | 68.9%-27.3pp |
| Annual return | 9.28% | 21.97%-12.7pp | 82.04%-72.8pp | 26.06%-16.8pp |
| Employer contribution / active EE | $463 | $1,691-72.6% | $2,679-82.7% | $2,596-82.2% |
| Participant deferral / active EE | $1,483 | $3,280-54.8% | $4,758-68.8% | $4,274-65.3% |
| Admin fee / account holder | $369 | $5,069-92.7% | $8,905-95.9% | $7,775-95.3% |