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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 | $23,734 | $57,590-58.8% | $86,233-72.5% | $82,448-71.2% |
| Participation rate | 66.7% | 57.9%+8.8pp | 69.0%-2.4pp | 68.1%-1.4pp |
| Annual return | 11.82% | 22.41%-10.6pp | 61.39%-49.6pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,265 | $1,655-23.6% | $2,504-49.5% | $2,551-50.4% |
| Participant deferral / active EE | $3,348 | $3,080+8.7% | $4,559-26.6% | $4,139-19.1% |
| Admin fee / account holder | $7,334 | $4,730+55.0% | $8,342-12.1% | $7,234+1.4% |