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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 | $30,236 | $41,377-26.9% | $109,313-72.3% | $62,881-51.9% |
| Participation rate | 64.0% | 57.5%+6.5pp | 71.3%-7.3pp | 69.3%-5.3pp |
| Annual return | 4.07% | 11.05%-7.0pp | 22.07%-18.0pp | 20.14%-16.1pp |
| Employer contribution / active EE | $590 | $1,276-53.8% | $3,892-84.8% | $2,281-74.1% |
| Participant deferral / active EE | $1,598 | $2,045-21.9% | $3,166-49.5% | $3,203-50.1% |
| Admin fee / account holder | $2,944 | $2,884+2.1% | $5,666-48.0% | $4,296-31.5% |