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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 | $53,878 | $57,061-5.6% | $85,063-36.7% | $80,911-33.4% |
| Participation rate | 56.7% | 56.3%+0.3pp | 67.5%-10.8pp | 67.6%-11.0pp |
| Annual return | 10.04% | 21.66%-11.6pp | 66.54%-56.5pp | 35.63%-25.6pp |
| Employer contribution / active EE | $728 | $1,799-59.5% | $2,727-73.3% | $2,756-73.6% |
| Participant deferral / active EE | $2,271 | $3,110-27.0% | $4,523-49.8% | $4,297-47.2% |
| Admin fee / account holder | $1,613 | $4,986-67.7% | $6,155-73.8% | $6,935-76.7% |