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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 | $40,981 | $75,541-45.8% | $152,093-73.1% | $82,637-50.4% |
| Participation rate | 58.5% | 66.5%-8.0pp | 77.8%-19.2pp | 68.1%-9.5pp |
| Annual return | 9.40% | 32.56%-23.2pp | 66.36%-57.0pp | 53.51%-44.1pp |
| Employer contribution / active EE | $461 | $2,622-82.4% | $4,175-89.0% | $2,552-82.0% |
| Participant deferral / active EE | $2,427 | $3,206-24.3% | $5,451-55.5% | $4,126-41.2% |
| Admin fee / account holder | $4,168 | $6,405-34.9% | $14,497-71.2% | $7,339-43.2% |