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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 | $42,673 | $56,287-24.2% | $80,977-47.3% | $62,881-32.1% |
| Participation rate | 56.3% | 68.9%-12.7pp | 75.8%-19.6pp | 69.3%-13.1pp |
| Annual return | 4.30% | 22.13%-17.8pp | 17.11%-12.8pp | 20.14%-15.8pp |
| Employer contribution / active EE | $412 | $1,943-78.8% | $3,715-88.9% | $2,281-82.0% |
| Participant deferral / active EE | $3,386 | $4,196-19.3% | $5,696-40.6% | $3,203+5.7% |
| Admin fee / account holder | $3,887 | $3,742+3.9% | $5,517-29.5% | $4,296-9.5% |