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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 | $34,443 | $74,535-53.8% | $100,712-65.8% | $82,637-58.3% |
| Participation rate | 53.3% | 61.2%-7.8pp | 69.3%-15.9pp | 68.1%-14.7pp |
| Annual return | 10.97% | 18.92%-8.0pp | 33.27%-22.3pp | 53.51%-42.5pp |
| Employer contribution / active EE | $988 | $1,503-34.3% | $2,313-57.3% | $2,552-61.3% |
| Participant deferral / active EE | $2,311 | $3,074-24.8% | $4,085-43.4% | $4,126-44.0% |
| Admin fee / account holder | $13,014 | $6,576+97.9% | $9,256+40.6% | $7,339+77.3% |