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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 | $27,003 | $64,010-57.8% | $108,359-75.1% | $64,340-58.0% |
| Participation rate | 67.3% | 49.4%+17.9pp | 70.1%-2.8pp | 55.2%+12.1pp |
| Annual return | 8.92% | 19.74%-10.8pp | 36.89%-28.0pp | 24.14%-15.2pp |
| Employer contribution / active EE | $1,117 | $1,029+8.6% | $2,399-53.5% | $1,862-40.0% |
| Participant deferral / active EE | $1,871 | $2,395-21.9% | $4,137-54.8% | $2,980-37.2% |
| Admin fee / account holder | $1,772 | $4,885-63.7% | $9,741-81.8% | $3,703-52.1% |