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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 | $34,668 | $52,279-33.7% | $89,400-61.2% | $79,858-56.6% |
| Participation rate | 69.0% | 57.5%+11.4pp | 68.0%+1.0pp | 69.6%-0.7pp |
| Annual return | 9.36% | 22.16%-12.8pp | 245.64%-236.3pp | 31.72%-22.4pp |
| Employer contribution / active EE | $228 | $1,572-85.5% | $2,586-91.2% | $2,471-90.8% |
| Participant deferral / active EE | $4,539 | $2,740+65.6% | $3,890+16.7% | $3,740+21.4% |
| Admin fee / account holder | $1,109 | $3,356-67.0% | $4,882-77.3% | $5,306-79.1% |