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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 | $18,317 | $44,746-59.1% | $88,179-79.2% | $64,097-71.4% |
| Participation rate | 40.3% | 39.8%+0.5pp | 69.1%-28.8pp | 55.2%-14.9pp |
| Annual return | 13.68% | 24.70%-11.0pp | 64.97%-51.3pp | 34.64%-21.0pp |
| Employer contribution / active EE | $541 | $1,078-49.8% | $2,549-78.8% | $1,891-71.4% |
| Participant deferral / active EE | $1,243 | $2,072-40.0% | $4,614-73.1% | $3,080-59.6% |
| Admin fee / account holder | $1,707 | $3,437-50.3% | $7,673-77.8% | $3,454-50.6% |