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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 | $11,485 | $37,436-69.3% | $77,513-85.2% | $79,858-85.6% |
| Participation rate | 60.2% | 41.5%+18.7pp | 54.2%+6.0pp | 69.6%-9.4pp |
| Annual return | 10.03% | 39.75%-29.7pp | 54.81%-44.8pp | 31.72%-21.7pp |
| Employer contribution / active EE | $603 | $637-5.4% | $987-38.9% | $2,471-75.6% |
| Participant deferral / active EE | $1,897 | $1,261+50.5% | $1,861+1.9% | $3,740-49.3% |
| Admin fee / account holder | $1,904 | $2,505-24.0% | $2,859-33.4% | $5,306-64.1% |