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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 | $51,394 | $49,025+4.8% | $87,502-41.3% | $62,881-18.3% |
| Participation rate | 69.2% | 64.9%+4.4pp | 73.8%-4.6pp | 69.3%-0.1pp |
| Annual return | -1.07% | 10.02%-11.1pp | 12.21%-13.3pp | 20.14%-21.2pp |
| Employer contribution / active EE | $303 | $1,372-77.9% | $2,550-88.1% | $2,281-86.7% |
| Participant deferral / active EE | $1,568 | $2,289-31.5% | $3,149-50.2% | $3,203-51.0% |
| Admin fee / account holder | $366 | $4,065-91.0% | $4,221-91.3% | $4,296-91.5% |