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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 | $15,851 | $81,358-80.5% | $155,556-89.8% | $80,959-80.4% |
| Participation rate | 68.2% | 66.3%+1.9pp | 78.2%-10.0pp | 67.7%+0.5pp |
| Annual return | 8.35% | 33.39%-25.0pp | 64.84%-56.5pp | 35.67%-27.3pp |
| Employer contribution / active EE | $723 | $3,106-76.7% | $4,675-84.5% | $2,757-73.8% |
| Participant deferral / active EE | $2,271 | $3,455-34.3% | $5,631-59.7% | $4,300-47.2% |
| Admin fee / account holder | $2,307 | $7,994-71.1% | $15,885-85.5% | $6,925-66.7% |