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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 | $64,141 | $78,690-18.5% | $161,489-60.3% | $87,485-26.7% |
| Participation rate | 41.9% | 67.5%-25.5pp | 78.7%-36.8pp | 68.9%-27.0pp |
| Annual return | 11.14% | 32.74%-21.6pp | 89.72%-78.6pp | 26.06%-14.9pp |
| Employer contribution / active EE | $941 | $2,588-63.7% | $4,268-78.0% | $2,596-63.8% |
| Participant deferral / active EE | $1,992 | $3,311-39.8% | $5,630-64.6% | $4,274-53.4% |
| Admin fee / account holder | $1,454 | $6,724-78.4% | $16,006-90.9% | $7,775-81.3% |