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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 | $40,842 | $43,075-5.2% | $74,577-45.2% | $62,881-35.0% |
| Participation rate | 58.5% | 58.1%+0.4pp | 68.1%-9.6pp | 69.3%-10.8pp |
| Annual return | 4.34% | 17.50%-13.2pp | 20.47%-16.1pp | 20.14%-15.8pp |
| Employer contribution / active EE | $549 | $1,498-63.4% | $2,525-78.3% | $2,281-76.0% |
| Participant deferral / active EE | $2,211 | $2,389-7.5% | $3,458-36.1% | $3,203-31.0% |
| Admin fee / account holder | $2,066 | $2,840-27.3% | $4,138-50.1% | $4,296-51.9% |