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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 | $38,594 | $54,541-29.2% | $78,778-51.0% | $70,126-45.0% |
| Participation rate | 55.4% | 60.8%-5.4pp | 69.2%-13.8pp | 69.5%-14.2pp |
| Annual return | 11.80% | 21.07%-9.3pp | 35.62%-23.8pp | 73.15%-61.3pp |
| Employer contribution / active EE | $427 | $1,089-60.8% | $1,986-78.5% | $2,343-81.8% |
| Participant deferral / active EE | $1,029 | $2,210-53.5% | $2,958-65.2% | $3,332-69.1% |
| Admin fee / account holder | $2,522 | $3,709-32.0% | $5,134-50.9% | $4,645-45.7% |