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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 | $43,577 | $58,493-25.5% | $84,021-48.1% | $72,975-40.3% |
| Participation rate | 64.3% | 61.2%+3.1pp | 69.0%-4.7pp | 69.5%-5.2pp |
| Annual return | 3.55% | 28.93%-25.4pp | 71.32%-67.8pp | 81.01%-77.5pp |
| Employer contribution / active EE | $1,346 | $1,163+15.8% | $1,984-32.1% | $2,440-44.8% |
| Participant deferral / active EE | $4,253 | $2,394+77.7% | $3,239+31.3% | $3,608+17.9% |
| Admin fee / account holder | $302 | $4,569-93.4% | $6,102-95.1% | $5,124-94.1% |