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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 | $35,195 | $67,602-47.9% | $82,312-57.2% | $70,126-49.8% |
| Participation rate | 67.5% | 72.8%-5.3pp | 76.9%-9.4pp | 69.5%-2.1pp |
| Annual return | 8.90% | 21.57%-12.7pp | 25.88%-17.0pp | 73.15%-64.2pp |
| Employer contribution / active EE | $877 | $1,755-50.0% | $2,428-63.9% | $2,343-62.6% |
| Participant deferral / active EE | $1,756 | $2,987-41.2% | $3,706-52.6% | $3,332-47.3% |
| Admin fee / account holder | $2,184 | $4,512-51.6% | $5,608-61.1% | $4,645-53.0% |