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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 | $35,601 | $56,894-37.4% | $84,753-58.0% | $62,881-43.4% |
| Participation rate | 67.4% | 68.5%-1.1pp | 76.6%-9.2pp | 69.3%-1.9pp |
| Annual return | 3.17% | 6.30%-3.1pp | 22.78%-19.6pp | 20.14%-17.0pp |
| Employer contribution / active EE | $562 | $2,400-76.6% | $3,574-84.3% | $2,281-75.3% |
| Participant deferral / active EE | $2,427 | $2,709-10.4% | $3,712-34.6% | $3,203-24.2% |
| Admin fee / account holder | $3,602 | $3,581+0.6% | $5,333-32.5% | $4,296-16.2% |