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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 | $32,723 | $36,948-11.4% | $73,658-55.6% | $87,485-62.6% |
| Participation rate | 56.0% | 46.8%+9.2pp | 57.0%-1.0pp | 68.9%-12.9pp |
| Annual return | 13.50% | 28.64%-15.1pp | 29.72%-16.2pp | 26.06%-12.6pp |
| Employer contribution / active EE | $525 | $670-21.6% | $1,032-49.1% | $2,596-79.8% |
| Participant deferral / active EE | $823 | $1,379-40.3% | $2,062-60.1% | $4,274-80.7% |
| Admin fee / account holder | $703 | $2,531-72.2% | $3,357-79.1% | $7,775-91.0% |