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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 | $47,139 | $56,894-17.1% | $84,753-44.4% | $62,881-25.0% |
| Participation rate | 35.1% | 68.5%-33.5pp | 76.6%-41.5pp | 69.3%-34.2pp |
| Annual return | 3.56% | 6.30%-2.7pp | 22.78%-19.2pp | 20.14%-16.6pp |
| Employer contribution / active EE | $557 | $2,400-76.8% | $3,574-84.4% | $2,281-75.6% |
| Participant deferral / active EE | $1,255 | $2,709-53.7% | $3,712-66.2% | $3,203-60.8% |
| Admin fee / account holder | $8,814 | $3,581+146.1% | $5,333+65.3% | $4,296+105.2% |