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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 | $34,409 | $51,638-33.4% | $68,368-49.7% | $82,448-58.3% |
| Participation rate | 64.7% | 63.6%+1.1pp | 73.8%-9.0pp | 68.1%-3.4pp |
| Annual return | 12.06% | 37.53%-25.5pp | 292.57%-280.5pp | 41.64%-29.6pp |
| Employer contribution / active EE | $360 | $2,047-82.4% | $2,649-86.4% | $2,551-85.9% |
| Participant deferral / active EE | $1,762 | $2,914-39.5% | $4,123-57.3% | $4,139-57.4% |
| Admin fee / account holder | $1,435 | $4,643-69.1% | $5,150-72.1% | $7,234-80.2% |