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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 | $29,051+3.8% | $52,425-42.5% | $67,986-55.7% |
| Participation rate | 38.5% | 30.4%+8.0pp | 55.6%-17.2pp | 57.2%-18.7pp |
| Annual return | 11.86% | 24.00%-12.1pp | 302.12%-290.3pp | 31.67%-19.8pp |
| Employer contribution / active EE | $744 | $412+80.6% | $914-18.6% | $2,019-63.2% |
| Participant deferral / active EE | $1,189 | $873+36.2% | $1,790-33.6% | $3,358-64.6% |
| Admin fee / account holder | $4,060 | $2,113+92.2% | $2,495+62.7% | $3,203+26.8% |