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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 | $37,823 | $58,493-35.3% | $84,023-55.0% | $72,976-48.2% |
| Participation rate | 64.3% | 61.2%+3.1pp | 69.0%-4.7pp | 69.5%-5.2pp |
| Annual return | 12.81% | 28.93%-16.1pp | 71.32%-58.5pp | 81.02%-68.2pp |
| Employer contribution / active EE | $705 | $1,163-39.4% | $1,984-64.5% | $2,440-71.1% |
| Participant deferral / active EE | $2,059 | $2,394-14.0% | $3,239-36.4% | $3,608-42.9% |
| Admin fee / account holder | $1,433 | $4,569-68.6% | $6,102-76.5% | $5,124-72.0% |