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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 | $37,254 | $54,541-31.7% | $78,778-52.7% | $70,124-46.9% |
| Participation rate | 63.6% | 60.8%+2.8pp | 69.2%-5.6pp | 69.5%-5.9pp |
| Annual return | 12.16% | 21.07%-8.9pp | 35.62%-23.5pp | 73.14%-61.0pp |
| Employer contribution / active EE | $755 | $1,089-30.7% | $1,986-62.0% | $2,342-67.8% |
| Participant deferral / active EE | $1,760 | $2,210-20.4% | $2,958-40.5% | $3,332-47.2% |
| Admin fee / account holder | $2,959 | $3,709-20.2% | $5,134-42.4% | $4,645-36.3% |