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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 | $57,141 | $74,535-23.3% | $100,712-43.3% | $82,637-30.9% |
| Participation rate | 64.5% | 61.2%+3.3pp | 69.3%-4.8pp | 68.1%-3.5pp |
| Annual return | 5.94% | 18.92%-13.0pp | 33.27%-27.3pp | 53.51%-47.6pp |
| Employer contribution / active EE | $374 | $1,503-75.1% | $2,313-83.8% | $2,552-85.3% |
| Participant deferral / active EE | $3,760 | $3,074+22.3% | $4,085-8.0% | $4,126-8.9% |
| Admin fee / account holder | $2,121 | $6,576-67.8% | $9,256-77.1% | $7,339-71.1% |