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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 | $33,888 | $37,446-9.5% | $77,552-56.3% | $79,856-57.6% |
| Participation rate | 36.0% | 41.5%-5.5pp | 54.2%-18.2pp | 69.6%-33.6pp |
| Annual return | 3.01% | 39.76%-36.7pp | 54.82%-51.8pp | 31.71%-28.7pp |
| Employer contribution / active EE | $922 | $637+44.7% | $987-6.6% | $2,471-62.7% |
| Participant deferral / active EE | $1,581 | $1,261+25.4% | $1,861-15.1% | $3,741-57.7% |
| Admin fee / account holder | $409 | $2,506-83.7% | $2,859-85.7% | $5,306-92.3% |