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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 | $42,736 | $59,839-28.6% | $81,991-47.9% | $79,852-46.5% |
| Participation rate | 44.1% | 61.6%-17.5pp | 69.3%-25.1pp | 69.6%-25.5pp |
| Annual return | 7.04% | 17.56%-10.5pp | 41.31%-34.3pp | 31.72%-24.7pp |
| Employer contribution / active EE | $461 | $1,713-73.1% | $2,498-81.5% | $2,471-81.3% |
| Participant deferral / active EE | $2,247 | $2,695-16.6% | $3,722-39.6% | $3,740-39.9% |
| Admin fee / account holder | $1,979 | $4,287-53.9% | $5,665-65.1% | $5,306-62.7% |