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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 | $40,963 | $65,034-37.0% | $90,970-55.0% | $79,856-48.7% |
| Participation rate | 64.5% | 61.6%+2.9pp | 69.0%-4.5pp | 69.6%-5.1pp |
| Annual return | 8.95% | 30.45%-21.5pp | 134.60%-125.6pp | 31.71%-22.8pp |
| Employer contribution / active EE | $975 | $1,247-21.8% | $2,122-54.1% | $2,471-60.5% |
| Participant deferral / active EE | $1,278 | $2,512-49.1% | $3,373-62.1% | $3,741-65.8% |
| Admin fee / account holder | $2,916 | $4,536-35.7% | $5,961-51.1% | $5,306-45.0% |