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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 | $31,140 | $55,930-44.3% | $76,089-59.1% | $80,925-61.5% |
| Participation rate | 64.0% | 62.1%+1.9pp | 69.1%-5.1pp | 67.7%-3.7pp |
| Annual return | 5.51% | 20.58%-15.1pp | 360.94%-355.4pp | 35.65%-30.1pp |
| Employer contribution / active EE | $414 | $1,866-77.8% | $2,690-84.6% | $2,756-85.0% |
| Participant deferral / active EE | $3,925 | $3,051+28.7% | $4,259-7.8% | $4,299-8.7% |
| Admin fee / account holder | $1,024 | $5,241-80.5% | $6,418-84.0% | $6,940-85.2% |