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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 | $37,139 | $45,082-17.6% | $69,464-46.5% | $72,975-49.1% |
| Participation rate | 31.1% | 68.5%-37.3pp | 74.6%-43.5pp | 69.5%-38.3pp |
| Annual return | 3.19% | 22.66%-19.5pp | 28.98%-25.8pp | 81.01%-77.8pp |
| Employer contribution / active EE | $400 | $2,055-80.6% | $2,779-85.6% | $2,440-83.6% |
| Participant deferral / active EE | $1,154 | $2,604-55.7% | $3,536-67.4% | $3,608-68.0% |
| Admin fee / account holder | $4,184 | $3,057+36.9% | $3,840+8.9% | $5,124-18.3% |