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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 | $14,340 | $91,086-84.3% | $203,872-93.0% | $86,983-83.5% |
| Participation rate | 69.8% | 65.8%+3.9pp | 77.8%-8.0pp | 69.5%+0.2pp |
| Annual return | 9.17% | 22.30%-13.1pp | 85.11%-75.9pp | 25.83%-16.7pp |
| Employer contribution / active EE | $782 | $2,063-62.1% | $3,757-79.2% | $2,584-69.7% |
| Participant deferral / active EE | $1,909 | $4,019-52.5% | $6,388-70.1% | $4,194-54.5% |
| Admin fee / account holder | $7,338 | $8,987-18.4% | $11,730-37.4% | $7,856-6.6% |