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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 | $31,143 | $37,446-16.8% | $77,552-59.8% | $79,856-61.0% |
| Participation rate | 65.7% | 41.5%+24.2pp | 54.2%+11.5pp | 69.6%-3.9pp |
| Annual return | 9.24% | 39.76%-30.5pp | 54.82%-45.6pp | 31.71%-22.5pp |
| Employer contribution / active EE | $673 | $637+5.6% | $987-31.8% | $2,471-72.8% |
| Participant deferral / active EE | $1,758 | $1,261+39.4% | $1,861-5.5% | $3,741-53.0% |
| Admin fee / account holder | $1,612 | $2,506-35.7% | $2,859-43.6% | $5,306-69.6% |