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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 | $46,179 | $62,672-26.3% | $185,117-75.1% | $70,126-34.1% |
| Participation rate | 65.7% | 63.8%+1.9pp | 77.3%-11.6pp | 69.5%-3.8pp |
| Annual return | 7.89% | 40.79%-32.9pp | 40.50%-32.6pp | 73.15%-65.3pp |
| Employer contribution / active EE | $305 | $1,753-82.6% | $4,182-92.7% | $2,343-87.0% |
| Participant deferral / active EE | $1,526 | $3,272-53.4% | $5,045-69.8% | $3,332-54.2% |
| Admin fee / account holder | $468 | $3,932-88.1% | $8,159-94.3% | $4,645-89.9% |