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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 | $45,703 | $43,075+6.1% | $74,577-38.7% | $62,881-27.3% |
| Participation rate | 36.0% | 58.1%-22.1pp | 68.1%-32.1pp | 69.3%-33.3pp |
| Annual return | 3.24% | 17.50%-14.3pp | 20.47%-17.2pp | 20.14%-16.9pp |
| Employer contribution / active EE | $350 | $1,498-76.7% | $2,525-86.2% | $2,281-84.7% |
| Participant deferral / active EE | $830 | $2,389-65.2% | $3,458-76.0% | $3,203-74.1% |
| Admin fee / account holder | $472 | $2,840-83.4% | $4,138-88.6% | $4,296-89.0% |