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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 | $40,402 | $37,446+7.9% | $77,552-47.9% | $79,856-49.4% |
| Participation rate | 30.8% | 41.5%-10.8pp | 54.2%-23.4pp | 69.6%-38.9pp |
| Annual return | 4.11% | 39.76%-35.6pp | 54.82%-50.7pp | 31.71%-27.6pp |
| Employer contribution / active EE | $766 | $637+20.2% | $987-22.4% | $2,471-69.0% |
| Participant deferral / active EE | $1,786 | $1,261+41.6% | $1,861-4.0% | $3,741-52.3% |
| Admin fee / account holder | $310 | $2,506-87.6% | $2,859-89.1% | $5,306-94.2% |