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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 | $56,561 | $45,312+24.8% | $86,233-34.4% | $67,986-16.8% |
| Participation rate | 19.8% | 42.4%-22.6pp | 69.0%-49.2pp | 57.2%-37.4pp |
| Annual return | 12.03% | 24.79%-12.8pp | 61.39%-49.4pp | 31.67%-19.6pp |
| Employer contribution / active EE | $694 | $1,160-40.2% | $2,504-72.3% | $2,019-65.6% |
| Participant deferral / active EE | $2,135 | $2,185-2.3% | $4,559-53.2% | $3,358-36.4% |
| Admin fee / account holder | $6,143 | $3,295+86.4% | $8,342-26.4% | $3,203+91.8% |