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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 | $49,740 | $44,746+11.2% | $88,179-43.6% | $64,097-22.4% |
| Participation rate | 34.4% | 39.8%-5.4pp | 69.1%-34.7pp | 55.2%-20.8pp |
| Annual return | 12.98% | 24.70%-11.7pp | 64.97%-52.0pp | 34.64%-21.7pp |
| Employer contribution / active EE | $706 | $1,078-34.5% | $2,549-72.3% | $1,891-62.7% |
| Participant deferral / active EE | $1,534 | $2,072-26.0% | $4,614-66.8% | $3,080-50.2% |
| Admin fee / account holder | $4,116 | $3,437+19.8% | $7,673-46.4% | $3,454+19.2% |