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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 | $31,213 | $81,504-61.7% | $102,437-69.5% | $80,959-61.4% |
| Participation rate | 45.2% | 66.9%-21.7pp | 74.5%-29.3pp | 67.7%-22.5pp |
| Annual return | 3.71% | 25.60%-21.9pp | 24.95%-21.2pp | 35.67%-32.0pp |
| Employer contribution / active EE | $2,015 | $3,104-35.1% | $3,871-47.9% | $2,757-26.9% |
| Participant deferral / active EE | $3,768 | $3,871-2.6% | $5,060-25.5% | $4,300-12.4% |
| Admin fee / account holder | $1,682 | $6,719-75.0% | $8,388-80.0% | $6,925-75.7% |