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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 | $37,205 | $52,580-29.2% | $71,671-48.1% | $70,126-46.9% |
| Participation rate | 63.0% | 60.9%+2.1pp | 68.7%-5.8pp | 69.5%-6.6pp |
| Annual return | 10.50% | 20.25%-9.7pp | 20.65%-10.1pp | 73.15%-62.6pp |
| Employer contribution / active EE | $498 | $1,616-69.2% | $2,460-79.7% | $2,343-78.7% |
| Participant deferral / active EE | $2,398 | $2,386+0.5% | $3,438-30.2% | $3,332-28.0% |
| Admin fee / account holder | $906 | $3,653-75.2% | $5,558-83.7% | $4,645-80.5% |