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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 | $37,773 | $69,444-45.6% | $92,985-59.4% | $87,485-56.8% |
| Participation rate | 63.4% | 63.3%+0.1pp | 69.5%-6.1pp | 68.9%-5.5pp |
| Annual return | 9.86% | 23.85%-14.0pp | 27.99%-18.1pp | 26.06%-16.2pp |
| Employer contribution / active EE | $639 | $1,917-66.7% | $2,662-76.0% | $2,596-75.4% |
| Participant deferral / active EE | $1,579 | $3,364-53.1% | $4,377-63.9% | $4,274-63.1% |
| Admin fee / account holder | $4,937 | $6,137-19.6% | $9,463-47.8% | $7,775-36.5% |