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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 | $32,846 | $51,708-36.5% | $106,619-69.2% | $62,881-47.8% |
| Participation rate | 59.2% | 66.9%-7.7pp | 78.0%-18.8pp | 69.3%-10.1pp |
| Annual return | 1.33% | 4.69%-3.4pp | 9.42%-8.1pp | 20.14%-18.8pp |
| Employer contribution / active EE | $1,549 | $1,764-12.2% | $3,947-60.7% | $2,281-32.1% |
| Participant deferral / active EE | $3,282 | $2,315+41.7% | $3,930-16.5% | $3,203+2.5% |
| Admin fee / account holder | $607 | $3,349-81.9% | $6,418-90.6% | $4,296-85.9% |