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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 | $60,961 | $49,025+24.3% | $87,502-30.3% | $62,881-3.1% |
| Participation rate | 32.4% | 64.9%-32.4pp | 73.8%-41.4pp | 69.3%-36.9pp |
| Annual return | 4.08% | 10.02%-5.9pp | 12.21%-8.1pp | 20.14%-16.1pp |
| Employer contribution / active EE | $659 | $1,372-51.9% | $2,550-74.1% | $2,281-71.1% |
| Participant deferral / active EE | $1,570 | $2,289-31.4% | $3,149-50.1% | $3,203-51.0% |
| Admin fee / account holder | $467 | $4,065-88.5% | $4,221-88.9% | $4,296-89.1% |