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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 | $63,189 | $58,493+8.0% | $84,021-24.8% | $72,975-13.4% |
| Participation rate | 39.4% | 61.2%-21.8pp | 69.0%-29.6pp | 69.5%-30.1pp |
| Annual return | 16.37% | 28.93%-12.6pp | 71.32%-54.9pp | 81.01%-64.6pp |
| Employer contribution / active EE | $348 | $1,163-70.1% | $1,984-82.4% | $2,440-85.7% |
| Participant deferral / active EE | $3,101 | $2,394+29.5% | $3,239-4.3% | $3,608-14.1% |
| Admin fee / account holder | $12,064 | $4,569+164.1% | $6,102+97.7% | $5,124+135.4% |