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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 | $58,524 | $78,690-25.6% | $161,489-63.8% | $87,485-33.1% |
| Participation rate | 50.0% | 67.5%-17.5pp | 78.7%-28.7pp | 68.9%-18.9pp |
| Annual return | 9.72% | 32.74%-23.0pp | 89.72%-80.0pp | 26.06%-16.3pp |
| Employer contribution / active EE | $934 | $2,588-63.9% | $4,268-78.1% | $2,596-64.0% |
| Participant deferral / active EE | $1,529 | $3,311-53.8% | $5,630-72.8% | $4,274-64.2% |
| Admin fee / account holder | $3,546 | $6,724-47.3% | $16,006-77.8% | $7,775-54.4% |