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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 | $34,522 | $77,814-55.6% | $158,223-78.2% | $86,983-60.3% |
| Participation rate | 61.5% | 68.4%-6.9pp | 79.2%-17.7pp | 69.5%-8.0pp |
| Annual return | 9.70% | 30.54%-20.8pp | 52.09%-42.4pp | 25.83%-16.1pp |
| Employer contribution / active EE | $689 | $2,592-73.4% | $4,109-83.2% | $2,584-73.3% |
| Participant deferral / active EE | $2,951 | $3,270-9.8% | $5,467-46.0% | $4,194-29.6% |
| Admin fee / account holder | $9,451 | $5,879+60.8% | $16,047-41.1% | $7,856+20.3% |