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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 | $37,156-15.6% | $83,854-62.6% | $86,983-63.9% |
| Participation rate | 51.6% | 49.1%+2.6pp | 59.1%-7.5pp | 69.5%-17.9pp |
| Annual return | 12.68% | 29.88%-17.2pp | 31.39%-18.7pp | 25.83%-13.2pp |
| Employer contribution / active EE | $894 | $661+35.3% | $1,017-12.1% | $2,584-65.4% |
| Participant deferral / active EE | $1,739 | $1,418+22.7% | $2,035-14.5% | $4,194-58.5% |
| Admin fee / account holder | $3,715 | $2,510+48.0% | $3,197+16.2% | $7,856-52.7% |