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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 | $68,667 | $65,246+5.2% | $98,716-30.4% | $67,986+1.0% |
| Participation rate | 30.5% | 51.4%-21.0pp | 69.3%-38.8pp | 57.2%-26.7pp |
| Annual return | 12.29% | 20.58%-8.3pp | 31.81%-19.5pp | 31.67%-19.4pp |
| Employer contribution / active EE | $487 | $1,042-53.3% | $2,279-78.6% | $2,019-75.9% |
| Participant deferral / active EE | $1,385 | $2,594-46.6% | $4,048-65.8% | $3,358-58.8% |
| Admin fee / account holder | $10,714 | $4,561+134.9% | $8,703+23.1% | $3,203+234.5% |