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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 | $29,956 | $51,222-41.5% | $70,544-57.5% | $75,173-60.2% |
| Participation rate | 58.0% | 61.0%-3.0pp | 68.4%-10.4pp | 67.2%-9.2pp |
| Annual return | 12.46% | 30.06%-17.6pp | 32.79%-20.3pp | 160.72%-148.3pp |
| Employer contribution / active EE | $811 | $1,827-55.6% | $2,976-72.7% | $2,671-69.6% |
| Participant deferral / active EE | $1,006 | $2,850-64.7% | $4,568-78.0% | $4,126-75.6% |
| Admin fee / account holder | $1,258 | $4,096-69.3% | $6,427-80.4% | $5,651-77.7% |