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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 | $31,368 | $36,948-15.1% | $73,658-57.4% | $87,485-64.1% |
| Participation rate | 51.6% | 46.8%+4.8pp | 57.0%-5.4pp | 68.9%-17.3pp |
| Annual return | 12.68% | 28.64%-16.0pp | 29.72%-17.0pp | 26.06%-13.4pp |
| Employer contribution / active EE | $894 | $670+33.4% | $1,032-13.4% | $2,596-65.6% |
| Participant deferral / active EE | $1,739 | $1,379+26.1% | $2,062-15.7% | $4,274-59.3% |
| Admin fee / account holder | $3,715 | $2,531+46.8% | $3,357+10.7% | $7,775-52.2% |