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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 | $18,992 | $57,140-66.8% | $85,240-77.7% | $80,959-76.5% |
| Participation rate | 56.6% | 56.4%+0.2pp | 67.5%-10.9pp | 67.7%-11.0pp |
| Annual return | 9.72% | 21.71%-12.0pp | 66.75%-57.0pp | 35.67%-25.9pp |
| Employer contribution / active EE | $627 | $1,802-65.2% | $2,735-77.1% | $2,757-77.3% |
| Participant deferral / active EE | $1,604 | $3,115-48.5% | $4,527-64.6% | $4,300-62.7% |
| Admin fee / account holder | $801 | $4,992-84.0% | $6,165-87.0% | $6,925-88.4% |