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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 | $31,797 | $65,034-51.1% | $90,970-65.0% | $79,856-60.2% |
| Participation rate | 68.6% | 61.6%+7.0pp | 69.0%-0.4pp | 69.6%-1.1pp |
| Annual return | 9.29% | 30.45%-21.2pp | 134.60%-125.3pp | 31.71%-22.4pp |
| Employer contribution / active EE | $894 | $1,247-28.4% | $2,122-57.9% | $2,471-63.8% |
| Participant deferral / active EE | $1,279 | $2,512-49.1% | $3,373-62.1% | $3,741-65.8% |
| Admin fee / account holder | $763 | $4,536-83.2% | $5,961-87.2% | $5,306-85.6% |