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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 | $41,171 | $71,215-42.2% | $93,696-56.1% | $80,935-49.1% |
| Participation rate | 47.1% | 60.4%-13.3pp | 68.7%-21.7pp | 67.7%-20.6pp |
| Annual return | 9.52% | 11.27%-1.8pp | 133.74%-124.2pp | 35.66%-26.1pp |
| Employer contribution / active EE | $1,381 | $1,565-11.8% | $2,422-43.0% | $2,757-49.9% |
| Participant deferral / active EE | $4,165 | $4,037+3.2% | $4,417-5.7% | $4,299-3.1% |
| Admin fee / account holder | $499 | $6,958-92.8% | $8,287-94.0% | $6,924-92.8% |