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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 | $10,259 | $57,119-82.0% | $85,187-88.0% | $80,935-87.3% |
| Participation rate | 69.7% | 56.4%+13.3pp | 67.5%+2.2pp | 67.7%+2.0pp |
| Annual return | 10.39% | 21.70%-11.3pp | 66.67%-56.3pp | 35.66%-25.3pp |
| Employer contribution / active EE | $1,535 | $1,802-14.8% | $2,732-43.8% | $2,757-44.3% |
| Participant deferral / active EE | $2,866 | $3,115-8.0% | $4,525-36.7% | $4,299-33.3% |
| Admin fee / account holder | $2,252 | $4,990-54.9% | $6,162-63.5% | $6,924-67.5% |