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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 | $57,073-32.9% | $85,126-55.0% | $80,925-52.7% |
| Participation rate | 64.0% | 56.4%+7.6pp | 67.5%-3.5pp | 67.7%-3.7pp |
| Annual return | 5.13% | 21.69%-16.6pp | 66.63%-61.5pp | 35.65%-30.5pp |
| Employer contribution / active EE | $760 | $1,801-57.8% | $2,731-72.2% | $2,756-72.4% |
| Participant deferral / active EE | $3,626 | $3,113+16.5% | $4,523-19.8% | $4,299-15.6% |
| Admin fee / account holder | $875 | $4,988-82.5% | $6,160-85.8% | $6,940-87.4% |