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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 | $36,844-18.2% | $83,854-64.0% | $65,306-53.8% |
| Participation rate | 38.5% | 29.2%+9.2pp | 59.1%-20.6pp | 57.7%-19.2pp |
| Annual return | 11.86% | 22.28%-10.4pp | 31.39%-19.5pp | 21.94%-10.1pp |
| Employer contribution / active EE | $744 | $415+79.2% | $1,017-26.9% | $1,967-62.2% |
| Participant deferral / active EE | $1,189 | $1,040+14.4% | $2,035-41.6% | $2,959-59.8% |
| Admin fee / account holder | $4,060 | $2,546+59.5% | $3,197+27.0% | $3,480+16.7% |