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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 | $50,447 | $55,932-9.8% | $76,735-34.3% | $67,986-25.8% |
| Participation rate | 34.2% | 50.8%-16.6pp | 69.5%-35.3pp | 57.2%-23.0pp |
| Annual return | 11.64% | 23.10%-11.5pp | 29.77%-18.1pp | 31.67%-20.0pp |
| Employer contribution / active EE | $491 | $1,487-67.0% | $2,454-80.0% | $2,019-75.7% |
| Participant deferral / active EE | $2,285 | $2,558-10.7% | $4,088-44.1% | $3,358-31.9% |
| Admin fee / account holder | $6,432 | $4,907+31.1% | $7,189-10.5% | $3,203+100.8% |