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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 | $47,478 | $56,894-16.6% | $84,753-44.0% | $62,881-24.5% |
| Participation rate | 67.4% | 68.5%-1.2pp | 76.6%-9.2pp | 69.3%-1.9pp |
| Annual return | -1.15% | 6.30%-7.5pp | 22.78%-23.9pp | 20.14%-21.3pp |
| Employer contribution / active EE | $746 | $2,400-68.9% | $3,574-79.1% | $2,281-67.3% |
| Participant deferral / active EE | $3,057 | $2,709+12.9% | $3,712-17.6% | $3,203-4.5% |
| Admin fee / account holder | $5,156 | $3,581+44.0% | $5,333-3.3% | $4,296+20.0% |