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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 | $21,922 | $55,902-60.8% | $76,030-71.2% | $80,959-72.9% |
| Participation rate | 62.2% | 62.1%+0.1pp | 69.1%-6.9pp | 67.7%-5.5pp |
| Annual return | 8.99% | 20.59%-11.6pp | 361.54%-352.5pp | 35.67%-26.7pp |
| Employer contribution / active EE | $563 | $1,867-69.9% | $2,688-79.1% | $2,757-79.6% |
| Participant deferral / active EE | $3,167 | $3,051+3.8% | $4,257-25.6% | $4,300-26.4% |
| Admin fee / account holder | $1,579 | $5,239-69.9% | $6,421-75.4% | $6,925-77.2% |