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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 | $40,229 | $62,672-35.8% | $185,117-78.3% | $70,126-42.6% |
| Participation rate | 32.9% | 63.8%-30.9pp | 77.3%-44.4pp | 69.5%-36.6pp |
| Annual return | 13.20% | 40.79%-27.6pp | 40.50%-27.3pp | 73.15%-59.9pp |
| Employer contribution / active EE | $597 | $1,753-65.9% | $4,182-85.7% | $2,343-74.5% |
| Participant deferral / active EE | $1,309 | $3,272-60.0% | $5,045-74.1% | $3,332-60.7% |
| Admin fee / account holder | $8,254 | $3,932+109.9% | $8,159+1.2% | $4,645+77.7% |