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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 | $12,980 | $75,541-82.8% | $152,093-91.5% | $82,637-84.3% |
| Participation rate | 69.4% | 66.5%+2.9pp | 77.8%-8.3pp | 68.1%+1.4pp |
| Annual return | 11.03% | 32.56%-21.5pp | 66.36%-55.3pp | 53.51%-42.5pp |
| Employer contribution / active EE | $477 | $2,622-81.8% | $4,175-88.6% | $2,552-81.3% |
| Participant deferral / active EE | $1,609 | $3,206-49.8% | $5,451-70.5% | $4,126-61.0% |
| Admin fee / account holder | $748 | $6,405-88.3% | $14,497-94.8% | $7,339-89.8% |