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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 | $21,656 | $55,713-61.1% | $75,894-71.5% | $72,983-70.3% |
| Participation rate | 65.5% | 61.1%+4.4pp | 69.3%-3.8pp | 69.5%-4.0pp |
| Annual return | 13.44% | 27.60%-14.2pp | 30.76%-17.3pp | 81.01%-67.6pp |
| Employer contribution / active EE | $848 | $1,687-49.7% | $2,501-66.1% | $2,440-65.2% |
| Participant deferral / active EE | $2,959 | $2,634+12.3% | $3,603-17.9% | $3,608-18.0% |
| Admin fee / account holder | $5,873 | $3,980+47.5% | $5,420+8.4% | $5,124+14.6% |