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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 | $81,276-85.3% | $155,574-92.3% | $80,925-85.2% |
| Participation rate | 69.2% | 66.2%+3.0pp | 78.2%-9.0pp | 67.7%+1.6pp |
| Annual return | 5.11% | 33.36%-28.2pp | 64.87%-59.8pp | 35.65%-30.5pp |
| Employer contribution / active EE | $597 | $3,103-80.8% | $4,676-87.2% | $2,756-78.3% |
| Participant deferral / active EE | $1,260 | $3,453-63.5% | $5,629-77.6% | $4,299-70.7% |
| Admin fee / account holder | $3,614 | $7,993-54.8% | $15,914-77.3% | $6,940-47.9% |