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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 | $47,254 | $41,016+15.2% | $152,093-68.9% | $64,097-26.3% |
| Participation rate | 56.3% | 51.3%+4.9pp | 77.8%-21.5pp | 55.2%+1.1pp |
| Annual return | 8.27% | 39.60%-31.3pp | 66.36%-58.1pp | 34.64%-26.4pp |
| Employer contribution / active EE | $872 | $1,342-35.1% | $4,175-79.1% | $1,891-53.9% |
| Participant deferral / active EE | $1,646 | $1,927-14.6% | $5,451-69.8% | $3,080-46.5% |
| Admin fee / account holder | $841 | $2,305-63.5% | $14,497-94.2% | $3,454-75.7% |