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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 | $55,905 | $45,312+23.4% | $86,233-35.2% | $67,986-17.8% |
| Participation rate | 45.4% | 42.4%+2.9pp | 69.0%-23.7pp | 57.2%-11.9pp |
| Annual return | 12.49% | 24.79%-12.3pp | 61.39%-48.9pp | 31.67%-19.2pp |
| Employer contribution / active EE | $314 | $1,160-72.9% | $2,504-87.4% | $2,019-84.4% |
| Participant deferral / active EE | $1,873 | $2,185-14.3% | $4,559-58.9% | $3,358-44.2% |
| Admin fee / account holder | $3,415 | $3,295+3.7% | $8,342-59.1% | $3,203+6.6% |