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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 | $49,236 | $83,898-41.3% | $133,346-63.1% | $94,015-47.6% |
| Participation rate | 68.2% | 63.4%+4.8pp | 72.8%-4.7pp | 70.8%-2.6pp |
| Annual return | 10.03% | 16.00%-6.0pp | 36.85%-26.8pp | 17.84%-7.8pp |
| Employer contribution / active EE | $781 | $1,821-57.1% | $2,853-72.6% | $2,790-72.0% |
| Participant deferral / active EE | $1,622 | $3,245-50.0% | $4,332-62.6% | $4,249-61.8% |
| Admin fee / account holder | $2,207 | $7,809-71.7% | $14,264-84.5% | $8,951-75.3% |