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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 | $38,041 | $59,440-36.0% | $78,004-51.2% | $82,637-54.0% |
| Participation rate | 48.3% | 62.8%-14.5pp | 69.4%-21.1pp | 68.1%-19.7pp |
| Annual return | 11.68% | 40.24%-28.6pp | 31.07%-19.4pp | 53.51%-41.8pp |
| Employer contribution / active EE | $410 | $1,750-76.6% | $2,469-83.4% | $2,552-84.0% |
| Participant deferral / active EE | $2,506 | $3,138-20.1% | $4,092-38.7% | $4,126-39.3% |
| Admin fee / account holder | $4,928 | $5,504-10.5% | $7,578-35.0% | $7,339-32.8% |