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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 | $32,664 | $75,541-56.8% | $152,093-78.5% | $82,637-60.5% |
| Participation rate | 69.4% | 66.5%+2.9pp | 77.8%-8.3pp | 68.1%+1.4pp |
| Annual return | 10.48% | 32.56%-22.1pp | 66.36%-55.9pp | 53.51%-43.0pp |
| Employer contribution / active EE | $1,173 | $2,622-55.3% | $4,175-71.9% | $2,552-54.0% |
| Participant deferral / active EE | $3,943 | $3,206+23.0% | $5,451-27.7% | $4,126-4.4% |
| Admin fee / account holder | $3,735 | $6,405-41.7% | $14,497-74.2% | $7,339-49.1% |