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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 | $37,156-29.7% | $83,854-68.8% | $86,983-70.0% |
| Participation rate | 58.7% | 49.1%+9.7pp | 59.1%-0.4pp | 69.5%-10.8pp |
| Annual return | 11.99% | 29.88%-17.9pp | 31.39%-19.4pp | 25.83%-13.8pp |
| Employer contribution / active EE | $798 | $661+20.8% | $1,017-21.5% | $2,584-69.1% |
| Participant deferral / active EE | $1,165 | $1,418-17.8% | $2,035-42.8% | $4,194-72.2% |
| Admin fee / account holder | $6,045 | $2,510+140.9% | $3,197+89.1% | $7,856-23.1% |