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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 | $25,758 | $76,551-66.4% | $123,894-79.2% | $62,881-59.0% |
| Participation rate | 44.7% | 73.0%-28.3pp | 81.4%-36.7pp | 69.3%-24.6pp |
| Annual return | 3.91% | 18.68%-14.8pp | 47.52%-43.6pp | 20.14%-16.2pp |
| Employer contribution / active EE | $854 | $2,882-70.4% | $4,617-81.5% | $2,281-62.6% |
| Participant deferral / active EE | $2,151 | $4,840-55.6% | $5,984-64.1% | $3,203-32.9% |
| Admin fee / account holder | $719 | $4,826-85.1% | $8,357-91.4% | $4,296-83.3% |