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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 | $32,768 | $51,638-36.5% | $68,368-52.1% | $82,448-60.3% |
| Participation rate | 64.3% | 63.6%+0.7pp | 73.8%-9.5pp | 68.1%-3.8pp |
| Annual return | 8.97% | 37.53%-28.6pp | 292.57%-283.6pp | 41.64%-32.7pp |
| Employer contribution / active EE | $919 | $2,047-55.1% | $2,649-65.3% | $2,551-64.0% |
| Participant deferral / active EE | $2,179 | $2,914-25.2% | $4,123-47.1% | $4,139-47.4% |
| Admin fee / account holder | $5,155 | $4,643+11.0% | $5,150+0.1% | $7,234-28.7% |