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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 | $40,128 | $76,407-47.5% | $150,298-73.3% | $82,448-51.3% |
| Participation rate | 44.0% | 66.4%-22.4pp | 77.8%-33.8pp | 68.1%-24.1pp |
| Annual return | 12.62% | 39.99%-27.4pp | 62.79%-50.2pp | 41.64%-29.0pp |
| Employer contribution / active EE | $358 | $2,614-86.3% | $4,154-91.4% | $2,551-86.0% |
| Participant deferral / active EE | $1,798 | $3,214-44.1% | $5,453-67.0% | $4,139-56.6% |
| Admin fee / account holder | $2,159 | $6,352-66.0% | $14,116-84.7% | $7,234-70.2% |