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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 | $63,456-57.4% | $100,712-73.2% | $64,097-57.9% |
| Participation rate | 67.3% | 49.7%+17.6pp | 69.3%-2.0pp | 55.2%+12.1pp |
| Annual return | 8.92% | 19.65%-10.7pp | 33.27%-24.3pp | 34.64%-25.7pp |
| Employer contribution / active EE | $1,117 | $1,003+11.4% | $2,313-51.7% | $1,891-41.0% |
| Participant deferral / active EE | $1,871 | $2,463-24.1% | $4,085-54.2% | $3,080-39.3% |
| Admin fee / account holder | $1,772 | $4,808-63.1% | $9,256-80.9% | $3,454-48.7% |