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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 | $39,592 | $56,894-30.4% | $84,753-53.3% | $62,881-37.0% |
| Participation rate | 57.9% | 68.5%-10.6pp | 76.6%-18.7pp | 69.3%-11.4pp |
| Annual return | 3.86% | 6.30%-2.4pp | 22.78%-18.9pp | 20.14%-16.3pp |
| Employer contribution / active EE | $976 | $2,400-59.3% | $3,574-72.7% | $2,281-57.2% |
| Participant deferral / active EE | $2,273 | $2,709-16.1% | $3,712-38.8% | $3,203-29.0% |
| Admin fee / account holder | $570 | $3,581-84.1% | $5,333-89.3% | $4,296-86.7% |