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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 | $41,641 | $77,962-46.6% | $178,540-76.7% | $80,935-48.5% |
| Participation rate | 48.3% | 65.7%-17.3pp | 77.1%-28.8pp | 67.7%-19.3pp |
| Annual return | 8.37% | 18.10%-9.7pp | 27.15%-18.8pp | 35.66%-27.3pp |
| Employer contribution / active EE | $539 | $2,280-76.4% | $3,953-86.4% | $2,757-80.5% |
| Participant deferral / active EE | $3,039 | $4,404-31.0% | $6,281-51.6% | $4,299-29.3% |
| Admin fee / account holder | $2,043 | $7,156-71.5% | $10,424-80.4% | $6,924-70.5% |