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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 | $38,304 | $57,140-33.0% | $85,240-55.1% | $80,959-52.7% |
| Participation rate | 64.0% | 56.4%+7.6pp | 67.5%-3.5pp | 67.7%-3.7pp |
| Annual return | 5.13% | 21.71%-16.6pp | 66.75%-61.6pp | 35.67%-30.5pp |
| Employer contribution / active EE | $760 | $1,802-57.8% | $2,735-72.2% | $2,757-72.5% |
| Participant deferral / active EE | $3,626 | $3,115+16.4% | $4,527-19.9% | $4,300-15.7% |
| Admin fee / account holder | $875 | $4,992-82.5% | $6,165-85.8% | $6,925-87.4% |