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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 | $3,712 | $36,948-90.0% | $73,658-95.0% | $87,485-95.8% |
| Participation rate | 67.5% | 46.8%+20.7pp | 57.0%+10.5pp | 68.9%-1.4pp |
| Annual return | 4.62% | 28.64%-24.0pp | 29.72%-25.1pp | 26.06%-21.4pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,548 | $1,379+12.3% | $2,062-24.9% | $4,274-63.8% |
| Admin fee / account holder | $1,940 | $2,531-23.4% | $3,357-42.2% | $7,775-75.1% |