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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 | $41,807 | $73,787-43.3% | $98,716-57.6% | $82,448-49.3% |
| Participation rate | 61.5% | 61.4%+0.1pp | 69.3%-7.8pp | 68.1%-6.5pp |
| Annual return | 10.25% | 18.57%-8.3pp | 31.81%-21.6pp | 41.64%-31.4pp |
| Employer contribution / active EE | $960 | $1,511-36.5% | $2,279-57.9% | $2,551-62.4% |
| Participant deferral / active EE | $1,800 | $3,081-41.6% | $4,048-55.5% | $4,139-56.5% |
| Admin fee / account holder | $4,993 | $6,500-23.2% | $8,703-42.6% | $7,234-31.0% |