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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 | $38,134 | $53,774-29.1% | $134,162-71.6% | $79,856-52.2% |
| Participation rate | 49.1% | 58.8%-9.7pp | 72.2%-23.1pp | 69.6%-20.5pp |
| Annual return | 5.87% | 19.01%-13.1pp | 36.35%-30.5pp | 31.71%-25.8pp |
| Employer contribution / active EE | $255 | $1,322-80.7% | $3,705-93.1% | $2,471-89.7% |
| Participant deferral / active EE | $2,357 | $2,420-2.6% | $3,500-32.6% | $3,741-37.0% |
| Admin fee / account holder | $1,268 | $3,985-68.2% | $6,685-81.0% | $5,306-76.1% |