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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 | $36,564 | $81,457-55.1% | $103,378-64.6% | $80,911-54.8% |
| Participation rate | 69.2% | 66.8%+2.4pp | 74.5%-5.3pp | 67.6%+1.6pp |
| Annual return | 7.73% | 25.58%-17.8pp | 24.91%-17.2pp | 35.63%-27.9pp |
| Employer contribution / active EE | $1,514 | $3,107-51.3% | $3,870-60.9% | $2,756-45.1% |
| Participant deferral / active EE | $2,485 | $3,871-35.8% | $5,058-50.9% | $4,297-42.2% |
| Admin fee / account holder | $474 | $6,717-92.9% | $8,401-94.4% | $6,935-93.2% |