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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 | $34,232 | $60,442-43.4% | $96,754-64.6% | $87,485-60.9% |
| Participation rate | 41.9% | 58.7%-16.8pp | 70.3%-28.3pp | 68.9%-27.0pp |
| Annual return | 12.07% | 21.97%-9.9pp | 82.04%-70.0pp | 26.06%-14.0pp |
| Employer contribution / active EE | $907 | $1,691-46.4% | $2,679-66.2% | $2,596-65.1% |
| Participant deferral / active EE | $1,909 | $3,280-41.8% | $4,758-59.9% | $4,274-55.3% |
| Admin fee / account holder | $5,237 | $5,069+3.3% | $8,905-41.2% | $7,775-32.6% |