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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 | $81,504-57.7% | $102,437-66.4% | $80,959-57.4% |
| Participation rate | 69.8% | 66.9%+2.9pp | 74.5%-4.7pp | 67.7%+2.1pp |
| Annual return | 5.67% | 25.60%-19.9pp | 24.95%-19.3pp | 35.67%-30.0pp |
| Employer contribution / active EE | $1,713 | $3,104-44.8% | $3,871-55.7% | $2,757-37.9% |
| Participant deferral / active EE | $2,513 | $3,871-35.1% | $5,060-50.3% | $4,300-41.6% |
| Admin fee / account holder | $5,196 | $6,719-22.7% | $8,388-38.1% | $6,925-25.0% |