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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 | $30,458 | $51,222-40.5% | $70,544-56.8% | $75,173-59.5% |
| Participation rate | 59.0% | 61.0%-2.0pp | 68.4%-9.3pp | 67.2%-8.2pp |
| Annual return | 11.85% | 30.06%-18.2pp | 32.79%-20.9pp | 160.72%-148.9pp |
| Employer contribution / active EE | $424 | $1,827-76.8% | $2,976-85.7% | $2,671-84.1% |
| Participant deferral / active EE | $1,763 | $2,850-38.1% | $4,568-61.4% | $4,126-57.3% |
| Admin fee / account holder | $3,340 | $4,096-18.5% | $6,427-48.0% | $5,651-40.9% |