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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 | $52,370 | $65,034-19.5% | $90,970-42.4% | $79,856-34.4% |
| Participation rate | 63.0% | 61.6%+1.3pp | 69.0%-6.1pp | 69.6%-6.7pp |
| Annual return | 4.38% | 30.45%-26.1pp | 134.60%-130.2pp | 31.71%-27.3pp |
| Employer contribution / active EE | $279 | $1,247-77.6% | $2,122-86.9% | $2,471-88.7% |
| Participant deferral / active EE | $1,859 | $2,512-26.0% | $3,373-44.9% | $3,741-50.3% |
| Admin fee / account holder | $32,627 | $4,536+619.3% | $5,961+447.3% | $5,306+514.9% |