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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 | $27,922 | $56,054-50.2% | $171,082-83.7% | $62,881-55.6% |
| Participation rate | 63.3% | 62.9%+0.5pp | 76.7%-13.4pp | 69.3%-6.0pp |
| Annual return | 4.85% | 22.52%-17.7pp | 32.56%-27.7pp | 20.14%-15.3pp |
| Employer contribution / active EE | $646 | $1,731-62.7% | $4,002-83.9% | $2,281-71.7% |
| Participant deferral / active EE | $2,779 | $3,158-12.0% | $4,797-42.1% | $3,203-13.2% |
| Admin fee / account holder | $699 | $3,647-80.8% | $8,520-91.8% | $4,296-83.7% |