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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 | $32,177 | $57,828-44.4% | $117,039-72.5% | $70,126-54.1% |
| Participation rate | 49.0% | 67.1%-18.1pp | 77.2%-28.2pp | 69.5%-20.6pp |
| Annual return | 10.95% | 17.55%-6.6pp | 18.95%-8.0pp | 73.15%-62.2pp |
| Employer contribution / active EE | $589 | $1,816-67.6% | $3,785-84.4% | $2,343-74.9% |
| Participant deferral / active EE | $2,086 | $2,438-14.4% | $3,929-46.9% | $3,332-37.4% |
| Admin fee / account holder | $895 | $3,548-74.8% | $5,974-85.0% | $4,645-80.7% |