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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 | $77,574-26.3% | $108,753-47.5% | $86,983-34.3% |
| Participation rate | 64.5% | 62.3%+2.2pp | 71.1%-6.6pp | 69.5%-5.0pp |
| Annual return | 5.94% | 18.42%-12.5pp | 37.47%-31.5pp | 25.83%-19.9pp |
| Employer contribution / active EE | $374 | $1,611-76.8% | $2,427-84.6% | $2,584-85.5% |
| Participant deferral / active EE | $3,760 | $3,128+20.2% | $4,115-8.6% | $4,194-10.3% |
| Admin fee / account holder | $2,121 | $6,529-67.5% | $10,320-79.5% | $7,856-73.0% |