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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 | $24,029 | $73,955-67.5% | $96,520-75.1% | $75,181-68.0% |
| Participation rate | 64.2% | 66.4%-2.2pp | 74.3%-10.1pp | 67.2%-3.0pp |
| Annual return | 13.15% | 26.72%-13.6pp | 35.72%-22.6pp | 160.69%-147.5pp |
| Employer contribution / active EE | $1,497 | $2,930-48.9% | $3,739-60.0% | $2,671-43.9% |
| Participant deferral / active EE | $2,216 | $3,659-39.4% | $4,879-54.6% | $4,126-46.3% |
| Admin fee / account holder | $6,831 | $5,217+30.9% | $6,733+1.5% | $5,650+20.9% |