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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 | $11,946 | $81,358-85.3% | $155,556-92.3% | $80,959-85.2% |
| Participation rate | 69.2% | 66.3%+3.0pp | 78.2%-9.0pp | 67.7%+1.6pp |
| Annual return | 5.11% | 33.39%-28.3pp | 64.84%-59.7pp | 35.67%-30.6pp |
| Employer contribution / active EE | $597 | $3,106-80.8% | $4,675-87.2% | $2,757-78.3% |
| Participant deferral / active EE | $1,260 | $3,455-63.5% | $5,631-77.6% | $4,300-70.7% |
| Admin fee / account holder | $3,614 | $7,994-54.8% | $15,885-77.2% | $6,925-47.8% |