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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 | $24,555 | $45,082-45.5% | $69,464-64.7% | $72,975-66.4% |
| Participation rate | 63.6% | 68.5%-4.9pp | 74.6%-11.0pp | 69.5%-5.9pp |
| Annual return | 4.75% | 22.66%-17.9pp | 28.98%-24.2pp | 81.01%-76.3pp |
| Employer contribution / active EE | $1,591 | $2,055-22.6% | $2,779-42.7% | $2,440-34.8% |
| Participant deferral / active EE | $2,923 | $2,604+12.2% | $3,536-17.4% | $3,608-19.0% |
| Admin fee / account holder | $1,098 | $3,057-64.1% | $3,840-71.4% | $5,124-78.6% |