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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 | $9,671 | $57,119-83.1% | $85,187-88.6% | $80,935-88.1% |
| Participation rate | 67.4% | 56.4%+11.0pp | 67.5%-0.1pp | 67.7%-0.2pp |
| Annual return | 5.79% | 21.70%-15.9pp | 66.67%-60.9pp | 35.66%-29.9pp |
| Employer contribution / active EE | $1,863 | $1,802+3.4% | $2,732-31.8% | $2,757-32.4% |
| Participant deferral / active EE | $3,775 | $3,115+21.2% | $4,525-16.6% | $4,299-12.2% |
| Admin fee / account holder | $2,566 | $4,990-48.6% | $6,162-58.4% | $6,924-62.9% |