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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 | $44,018 | $78,013-43.6% | $178,449-75.3% | $80,911-45.6% |
| Participation rate | 55.2% | 65.7%-10.5pp | 77.1%-21.9pp | 67.6%-12.5pp |
| Annual return | 10.23% | 18.07%-7.8pp | 27.09%-16.9pp | 35.63%-25.4pp |
| Employer contribution / active EE | $1,413 | $2,287-38.2% | $3,951-64.2% | $2,756-48.7% |
| Participant deferral / active EE | $2,005 | $4,408-54.5% | $6,277-68.1% | $4,297-53.3% |
| Admin fee / account holder | $689 | $7,166-90.4% | $10,362-93.4% | $6,935-90.1% |