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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 | $63,456+8.2% | $100,712-31.8% | $64,097+7.1% |
| Participation rate | 30.5% | 49.7%-19.2pp | 69.3%-38.8pp | 55.2%-24.7pp |
| Annual return | 12.29% | 19.65%-7.4pp | 33.27%-21.0pp | 34.64%-22.3pp |
| Employer contribution / active EE | $487 | $1,003-51.4% | $2,313-78.9% | $1,891-74.3% |
| Participant deferral / active EE | $1,385 | $2,463-43.8% | $4,085-66.1% | $3,080-55.0% |
| Admin fee / account holder | $10,714 | $4,808+122.8% | $9,256+15.7% | $3,454+210.1% |