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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 | $34,454 | $81,476-57.7% | $102,383-66.3% | $80,925-57.4% |
| Participation rate | 69.8% | 66.8%+2.9pp | 74.5%-4.7pp | 67.7%+2.1pp |
| Annual return | 5.67% | 25.59%-19.9pp | 24.94%-19.3pp | 35.65%-30.0pp |
| Employer contribution / active EE | $1,713 | $3,105-44.8% | $3,870-55.7% | $2,756-37.8% |
| Participant deferral / active EE | $2,513 | $3,871-35.1% | $5,060-50.3% | $4,299-41.5% |
| Admin fee / account holder | $5,196 | $6,717-22.6% | $8,391-38.1% | $6,940-25.1% |