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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 | $43,549 | $53,777-19.0% | $134,155-67.5% | $79,858-45.5% |
| Participation rate | 68.8% | 58.8%+10.0pp | 72.2%-3.4pp | 69.6%-0.9pp |
| Annual return | 9.15% | 19.01%-9.9pp | 36.34%-27.2pp | 31.72%-22.6pp |
| Employer contribution / active EE | $735 | $1,321-44.4% | $3,705-80.2% | $2,471-70.3% |
| Participant deferral / active EE | $2,276 | $2,420-5.9% | $3,500-35.0% | $3,740-39.1% |
| Admin fee / account holder | $531 | $3,984-86.7% | $6,685-92.1% | $5,306-90.0% |