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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 | $32,391 | $74,535-56.5% | $100,712-67.8% | $82,637-60.8% |
| Participation rate | 48.0% | 61.2%-13.2pp | 69.3%-21.3pp | 68.1%-20.1pp |
| Annual return | 9.53% | 18.92%-9.4pp | 33.27%-23.7pp | 53.51%-44.0pp |
| Employer contribution / active EE | $881 | $1,503-41.3% | $2,313-61.9% | $2,552-65.5% |
| Participant deferral / active EE | $2,261 | $3,074-26.5% | $4,085-44.7% | $4,126-45.2% |
| Admin fee / account holder | $493 | $6,576-92.5% | $9,256-94.7% | $7,339-93.3% |