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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 | $20,486 | $49,025-58.2% | $87,502-76.6% | $62,881-67.4% |
| Participation rate | 68.1% | 64.9%+3.2pp | 73.8%-5.8pp | 69.3%-1.2pp |
| Annual return | 4.41% | 10.02%-5.6pp | 12.21%-7.8pp | 20.14%-15.7pp |
| Employer contribution / active EE | $612 | $1,372-55.4% | $2,550-76.0% | $2,281-73.2% |
| Participant deferral / active EE | $860 | $2,289-62.4% | $3,149-72.7% | $3,203-73.1% |
| Admin fee / account holder | $724 | $4,065-82.2% | $4,221-82.8% | $4,296-83.1% |