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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 | $32,262 | $47,944-32.7% | $67,834-52.4% | $62,881-48.7% |
| Participation rate | 44.4% | 61.1%-16.6pp | 68.8%-24.4pp | 69.3%-24.9pp |
| Annual return | 4.42% | 11.77%-7.3pp | 138.47%-134.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $419 | $1,562-73.2% | $2,403-82.6% | $2,281-81.6% |
| Participant deferral / active EE | $1,451 | $2,247-35.4% | $3,160-54.1% | $3,203-54.7% |
| Admin fee / account holder | $3,199 | $3,712-13.8% | $4,622-30.8% | $4,296-25.5% |