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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 | $31,754 | $43,075-26.3% | $74,577-57.4% | $62,881-49.5% |
| Participation rate | 65.5% | 58.1%+7.5pp | 68.1%-2.6pp | 69.3%-3.8pp |
| Annual return | 0.29% | 17.50%-17.2pp | 20.47%-20.2pp | 20.14%-19.9pp |
| Employer contribution / active EE | $1,506 | $1,498+0.5% | $2,525-40.4% | $2,281-34.0% |
| Participant deferral / active EE | $2,133 | $2,389-10.7% | $3,458-38.3% | $3,203-33.4% |
| Admin fee / account holder | $603 | $2,840-78.8% | $4,138-85.4% | $4,296-86.0% |