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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 | $40,271 | $101,798-60.4% | $165,071-75.6% | $80,935-50.2% |
| Participation rate | 58.3% | 71.8%-13.5pp | 78.6%-20.3pp | 67.7%-9.3pp |
| Annual return | 9.17% | 16.73%-7.6pp | 70.17%-61.0pp | 35.66%-26.5pp |
| Employer contribution / active EE | $961 | $2,954-67.5% | $4,347-77.9% | $2,757-65.1% |
| Participant deferral / active EE | $2,156 | $4,476-51.8% | $6,035-64.3% | $4,299-49.8% |
| Admin fee / account holder | $2,103 | $8,221-74.4% | $12,695-83.4% | $6,924-69.6% |