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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 | $32,072 | $54,541-41.2% | $78,778-59.3% | $70,126-54.3% |
| Participation rate | 69.4% | 60.8%+8.6pp | 69.2%+0.3pp | 69.5%-0.1pp |
| Annual return | 12.12% | 21.07%-9.0pp | 35.62%-23.5pp | 73.15%-61.0pp |
| Employer contribution / active EE | $413 | $1,089-62.0% | $1,986-79.2% | $2,343-82.4% |
| Participant deferral / active EE | $1,446 | $2,210-34.6% | $2,958-51.1% | $3,332-56.6% |
| Admin fee / account holder | $3,050 | $3,709-17.8% | $5,134-40.6% | $4,645-34.3% |