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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 | $31,969 | $65,027-50.8% | $90,970-64.9% | $79,852-60.0% |
| Participation rate | 65.5% | 61.6%+3.9pp | 69.0%-3.5pp | 69.6%-4.1pp |
| Annual return | 10.03% | 30.45%-20.4pp | 134.58%-124.6pp | 31.72%-21.7pp |
| Employer contribution / active EE | $1,513 | $1,247+21.3% | $2,122-28.7% | $2,471-38.8% |
| Participant deferral / active EE | $3,421 | $2,512+36.2% | $3,373+1.4% | $3,740-8.5% |
| Admin fee / account holder | $2,671 | $4,535-41.1% | $5,960-55.2% | $5,306-49.7% |