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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 | $30,150 | $36,140-16.6% | $73,658-59.1% | $64,340-53.1% |
| Participation rate | 38.5% | 31.0%+7.4pp | 57.0%-18.6pp | 55.2%-16.8pp |
| Annual return | 11.86% | 21.48%-9.6pp | 29.72%-17.9pp | 24.14%-12.3pp |
| Employer contribution / active EE | $744 | $443+67.8% | $1,032-27.9% | $1,862-60.0% |
| Participant deferral / active EE | $1,189 | $1,023+16.3% | $2,062-42.3% | $2,980-60.1% |
| Admin fee / account holder | $4,060 | $2,513+61.6% | $3,357+21.0% | $3,703+9.7% |