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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 | $72,471-47.5% | $94,215-59.6% | $86,983-56.3% |
| Participation rate | 48.3% | 63.9%-15.5pp | 70.0%-21.6pp | 69.5%-21.2pp |
| Annual return | 11.68% | 26.44%-14.8pp | 28.22%-16.5pp | 25.83%-14.1pp |
| Employer contribution / active EE | $410 | $1,936-78.8% | $2,675-84.7% | $2,584-84.2% |
| Participant deferral / active EE | $2,506 | $3,397-26.2% | $4,276-41.4% | $4,194-40.2% |
| Admin fee / account holder | $4,928 | $6,468-23.8% | $10,216-51.8% | $7,856-37.3% |