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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 | $38,260 | $81,358-53.0% | $155,556-75.4% | $80,959-52.7% |
| Participation rate | 64.0% | 66.3%-2.3pp | 78.2%-14.2pp | 67.7%-3.7pp |
| Annual return | 8.83% | 33.39%-24.6pp | 64.84%-56.0pp | 35.67%-26.8pp |
| Employer contribution / active EE | $528 | $3,106-83.0% | $4,675-88.7% | $2,757-80.9% |
| Participant deferral / active EE | $1,255 | $3,455-63.7% | $5,631-77.7% | $4,300-70.8% |
| Admin fee / account holder | $502 | $7,994-93.7% | $15,885-96.8% | $6,925-92.8% |