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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 | $33,874 | $43,075-21.4% | $74,577-54.6% | $62,881-46.1% |
| Participation rate | 63.0% | 58.1%+4.9pp | 68.1%-5.1pp | 69.3%-6.3pp |
| Annual return | 4.69% | 17.50%-12.8pp | 20.47%-15.8pp | 20.14%-15.5pp |
| Employer contribution / active EE | $639 | $1,498-57.3% | $2,525-74.7% | $2,281-72.0% |
| Participant deferral / active EE | $1,642 | $2,389-31.3% | $3,458-52.5% | $3,203-48.7% |
| Admin fee / account holder | $1,145 | $2,840-59.7% | $4,138-72.3% | $4,296-73.4% |