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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 | $45,493 | $78,428-42.0% | $95,960-52.6% | $79,852-43.0% |
| Participation rate | 67.7% | 73.5%-5.8pp | 77.1%-9.3pp | 69.6%-1.9pp |
| Annual return | 9.57% | 19.37%-9.8pp | 91.63%-82.1pp | 31.72%-22.2pp |
| Employer contribution / active EE | $792 | $1,945-59.3% | $2,541-68.8% | $2,471-67.9% |
| Participant deferral / active EE | $2,505 | $3,440-27.2% | $4,167-39.9% | $3,740-33.0% |
| Admin fee / account holder | $3,734 | $5,622-33.6% | $6,797-45.1% | $5,306-29.6% |