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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 | $16,320 | $59,839-72.7% | $81,991-80.1% | $79,852-79.6% |
| Participation rate | 65.5% | 61.6%+3.9pp | 69.3%-3.7pp | 69.6%-4.1pp |
| Annual return | 9.88% | 17.56%-7.7pp | 41.31%-31.4pp | 31.72%-21.8pp |
| Employer contribution / active EE | $996 | $1,713-41.9% | $2,498-60.1% | $2,471-59.7% |
| Participant deferral / active EE | $1,518 | $2,695-43.7% | $3,722-59.2% | $3,740-59.4% |
| Admin fee / account holder | $1,268 | $4,287-70.4% | $5,665-77.6% | $5,306-76.1% |