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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 | $65,081 | $78,425-17.0% | $95,956-32.2% | $79,858-18.5% |
| Participation rate | 69.5% | 73.5%-4.0pp | 77.1%-7.6pp | 69.6%-0.1pp |
| Annual return | 8.85% | 19.37%-10.5pp | 91.63%-82.8pp | 31.72%-22.9pp |
| Employer contribution / active EE | $860 | $1,945-55.8% | $2,541-66.2% | $2,471-65.2% |
| Participant deferral / active EE | $2,421 | $3,440-29.6% | $4,167-41.9% | $3,740-35.3% |
| Admin fee / account holder | $503 | $5,622-91.1% | $6,797-92.6% | $5,306-90.5% |