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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 | $65,246-58.6% | $98,716-72.6% | $67,986-60.3% |
| Participation rate | 67.3% | 51.4%+15.9pp | 69.3%-2.0pp | 57.2%+10.1pp |
| Annual return | 8.92% | 20.58%-11.7pp | 31.81%-22.9pp | 31.67%-22.7pp |
| Employer contribution / active EE | $1,117 | $1,042+7.2% | $2,279-51.0% | $2,019-44.7% |
| Participant deferral / active EE | $1,871 | $2,594-27.9% | $4,048-53.8% | $3,358-44.3% |
| Admin fee / account holder | $1,772 | $4,561-61.1% | $8,703-79.6% | $3,203-44.7% |