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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 | $33,361 | $57,119-41.6% | $85,187-60.8% | $80,935-58.8% |
| Participation rate | 65.4% | 56.4%+9.0pp | 67.5%-2.1pp | 67.7%-2.3pp |
| Annual return | 8.03% | 21.70%-13.7pp | 66.67%-58.6pp | 35.66%-27.6pp |
| Employer contribution / active EE | $839 | $1,802-53.4% | $2,732-69.3% | $2,757-69.6% |
| Participant deferral / active EE | $1,968 | $3,115-36.8% | $4,525-56.5% | $4,299-54.2% |
| Admin fee / account holder | $817 | $4,990-83.6% | $6,162-86.7% | $6,924-88.2% |