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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 | $67,206 | $56,121+19.8% | $92,985-27.7% | $64,340+4.5% |
| Participation rate | 48.5% | 44.9%+3.6pp | 69.5%-20.9pp | 55.2%-6.7pp |
| Annual return | 12.50% | 19.19%-6.7pp | 27.99%-15.5pp | 24.14%-11.6pp |
| Employer contribution / active EE | $364 | $1,351-73.0% | $2,662-86.3% | $1,862-80.4% |
| Participant deferral / active EE | $1,847 | $2,362-21.8% | $4,377-57.8% | $2,980-38.0% |
| Admin fee / account holder | $3,214 | $6,869-53.2% | $9,463-66.0% | $3,703-13.2% |