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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 | $31,644 | $63,809-50.4% | $81,353-61.1% | $80,935-60.9% |
| Participation rate | 56.4% | 63.9%-7.5pp | 69.5%-13.2pp | 67.7%-11.3pp |
| Annual return | 10.21% | 16.37%-6.2pp | 24.82%-14.6pp | 35.66%-25.4pp |
| Employer contribution / active EE | $631 | $1,981-68.1% | $2,464-74.4% | $2,757-77.1% |
| Participant deferral / active EE | $3,021 | $3,093-2.3% | $3,885-22.2% | $4,299-29.7% |
| Admin fee / account holder | $1,122 | $5,686-80.3% | $5,766-80.5% | $6,924-83.8% |