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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 | $37,614 | $63,861-41.1% | $104,614-64.0% | $79,858-52.9% |
| Participation rate | 59.4% | 64.9%-5.5pp | 74.1%-14.7pp | 69.6%-10.3pp |
| Annual return | 2.41% | 21.30%-18.9pp | 340.56%-338.2pp | 31.72%-29.3pp |
| Employer contribution / active EE | $611 | $1,588-61.5% | $2,681-77.2% | $2,471-75.3% |
| Participant deferral / active EE | $3,166 | $2,693+17.5% | $3,739-15.3% | $3,740-15.3% |
| Admin fee / account holder | $2,835 | $4,185-32.3% | $6,464-56.1% | $5,306-46.6% |