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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 | $26,132 | $36,948-29.3% | $73,658-64.5% | $87,485-70.1% |
| Participation rate | 58.7% | 46.8%+11.9pp | 57.0%+1.7pp | 68.9%-10.2pp |
| Annual return | 11.99% | 28.64%-16.6pp | 29.72%-17.7pp | 26.06%-14.1pp |
| Employer contribution / active EE | $798 | $670+19.2% | $1,032-22.7% | $2,596-69.3% |
| Participant deferral / active EE | $1,165 | $1,379-15.5% | $2,062-43.5% | $4,274-72.7% |
| Admin fee / account holder | $6,045 | $2,531+138.9% | $3,357+80.1% | $7,775-22.2% |