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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 | $39,384 | $49,025-19.7% | $87,502-55.0% | $62,881-37.4% |
| Participation rate | 68.9% | 64.9%+4.0pp | 73.8%-5.0pp | 69.3%-0.5pp |
| Annual return | 0.94% | 10.02%-9.1pp | 12.21%-11.3pp | 20.14%-19.2pp |
| Employer contribution / active EE | $553 | $1,372-59.7% | $2,550-78.3% | $2,281-75.8% |
| Participant deferral / active EE | $2,085 | $2,289-8.9% | $3,149-33.8% | $3,203-34.9% |
| Admin fee / account holder | $1,383 | $4,065-66.0% | $4,221-67.2% | $4,296-67.8% |