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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 | $66,830 | $72,269-7.5% | $101,271-34.0% | $79,852-16.3% |
| Participation rate | 61.0% | 68.5%-7.5pp | 75.8%-14.8pp | 69.6%-8.7pp |
| Annual return | 8.33% | 22.29%-14.0pp | 46.48%-38.2pp | 31.72%-23.4pp |
| Employer contribution / active EE | $792 | $2,692-70.6% | $3,660-78.4% | $2,471-68.0% |
| Participant deferral / active EE | $3,034 | $3,282-7.5% | $4,371-30.6% | $3,740-18.9% |
| Admin fee / account holder | $1,642 | $4,401-62.7% | $5,948-72.4% | $5,306-69.1% |