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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 | $24,295 | $43,075-43.6% | $74,577-67.4% | $62,881-61.4% |
| Participation rate | 60.4% | 58.1%+2.4pp | 68.1%-7.7pp | 69.3%-8.9pp |
| Annual return | 4.93% | 17.50%-12.6pp | 20.47%-15.5pp | 20.14%-15.2pp |
| Employer contribution / active EE | $1,154 | $1,498-23.0% | $2,525-54.3% | $2,281-49.4% |
| Participant deferral / active EE | $3,877 | $2,389+62.2% | $3,458+12.1% | $3,203+21.0% |
| Admin fee / account holder | $2,963 | $2,840+4.3% | $4,138-28.4% | $4,296-31.0% |