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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 | $5,763 | $25,014-77.0% | $69,623-91.7% | $80,935-92.9% |
| Participation rate | 69.1% | 64.2%+4.9pp | 66.4%+2.7pp | 67.7%+1.5pp |
| Annual return | 11.22% | 19.08%-7.9pp | 101.23%-90.0pp | 35.66%-24.4pp |
| Employer contribution / active EE | $370 | $991-62.7% | $1,709-78.3% | $2,757-86.6% |
| Participant deferral / active EE | $1,451 | $1,840-21.1% | $2,890-49.8% | $4,299-66.2% |
| Admin fee / account holder | $1,434 | $2,491-42.4% | $4,696-69.5% | $6,924-79.3% |