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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 | $23,043 | $47,848-51.8% | $81,473-71.7% | $70,124-67.1% |
| Participation rate | 65.3% | 58.3%+7.0pp | 68.0%-2.7pp | 69.5%-4.2pp |
| Annual return | 12.64% | 27.25%-14.6pp | 38.78%-26.1pp | 73.14%-60.5pp |
| Employer contribution / active EE | $447 | $1,527-70.7% | $2,568-82.6% | $2,342-80.9% |
| Participant deferral / active EE | $2,848 | $2,453+16.1% | $3,537-19.5% | $3,332-14.5% |
| Admin fee / account holder | $2,306 | $3,145-26.7% | $4,561-49.5% | $4,645-50.4% |