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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 | $28,081 | $43,075-34.8% | $74,577-62.3% | $62,881-55.3% |
| Participation rate | 57.9% | 58.1%-0.2pp | 68.1%-10.2pp | 69.3%-11.4pp |
| Annual return | 4.80% | 17.50%-12.7pp | 20.47%-15.7pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,925 | $1,498+28.6% | $2,525-23.8% | $2,281-15.6% |
| Participant deferral / active EE | $1,021 | $2,389-57.3% | $3,458-70.5% | $3,203-68.1% |
| Admin fee / account holder | $764 | $2,840-73.1% | $4,138-81.5% | $4,296-82.2% |