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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 | $69,713 | $72,492-3.8% | $87,104-20.0% | $72,975-4.5% |
| Participation rate | 67.7% | 72.8%-5.1pp | 76.9%-9.1pp | 69.5%-1.7pp |
| Annual return | 5.25% | 24.46%-19.2pp | 28.19%-22.9pp | 81.01%-75.8pp |
| Employer contribution / active EE | $663 | $1,894-65.0% | $2,521-73.7% | $2,440-72.8% |
| Participant deferral / active EE | $1,623 | $3,270-50.3% | $4,048-59.9% | $3,608-55.0% |
| Admin fee / account holder | $14,563 | $5,055+188.1% | $7,491+94.4% | $5,124+184.2% |