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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 | $65,020 | $83,898-22.5% | $133,346-51.2% | $94,015-30.8% |
| Participation rate | 59.0% | 63.4%-4.4pp | 72.8%-13.9pp | 70.8%-11.8pp |
| Annual return | 5.35% | 16.00%-10.7pp | 36.85%-31.5pp | 17.84%-12.5pp |
| Employer contribution / active EE | $679 | $1,821-62.7% | $2,853-76.2% | $2,790-75.7% |
| Participant deferral / active EE | $1,698 | $3,245-47.7% | $4,332-60.8% | $4,249-60.1% |
| Admin fee / account holder | $1,939 | $7,809-75.2% | $14,264-86.4% | $8,951-78.3% |