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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 | $54,297+3.0% | $97,032-42.4% | $65,306-14.4% |
| Participation rate | 45.4% | 42.3%+3.0pp | 71.6%-26.2pp | 57.7%-12.3pp |
| Annual return | 12.49% | 21.17%-8.7pp | 35.38%-22.9pp | 21.94%-9.4pp |
| Employer contribution / active EE | $314 | $1,365-77.0% | $2,629-88.0% | $1,967-84.0% |
| Participant deferral / active EE | $1,873 | $2,259-17.1% | $4,672-59.9% | $2,959-36.7% |
| Admin fee / account holder | $3,415 | $3,744-8.8% | $9,418-63.7% | $3,480-1.9% |