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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 | $35,984 | $72,027-50.0% | $185,861-80.6% | $79,856-54.9% |
| Participation rate | 33.3% | 65.8%-32.4pp | 78.0%-44.7pp | 69.6%-36.3pp |
| Annual return | 9.75% | 23.13%-13.4pp | 35.96%-26.2pp | 31.71%-22.0pp |
| Employer contribution / active EE | $507 | $1,965-74.2% | $4,088-87.6% | $2,471-79.5% |
| Participant deferral / active EE | $2,021 | $3,780-46.5% | $5,634-64.1% | $3,741-46.0% |
| Admin fee / account holder | $5,518 | $4,513+22.3% | $9,503-41.9% | $5,306+4.0% |