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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 | $54,169 | $60,349-10.2% | $74,184-27.0% | $62,881-13.9% |
| Participation rate | 69.0% | 72.7%-3.8pp | 76.6%-7.7pp | 69.3%-0.3pp |
| Annual return | 4.66% | 21.38%-16.7pp | 17.74%-13.1pp | 20.14%-15.5pp |
| Employer contribution / active EE | $943 | $1,680-43.9% | $2,370-60.2% | $2,281-58.7% |
| Participant deferral / active EE | $3,049 | $2,856+6.8% | $3,550-14.1% | $3,203-4.8% |
| Admin fee / account holder | $1,010 | $4,261-76.3% | $5,586-81.9% | $4,296-76.5% |