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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 | $28,877 | $52,279-44.8% | $89,414-67.7% | $79,852-63.8% |
| Participation rate | 58.2% | 57.5%+0.6pp | 68.0%-9.8pp | 69.6%-11.5pp |
| Annual return | 8.77% | 22.16%-13.4pp | 245.50%-236.7pp | 31.72%-23.0pp |
| Employer contribution / active EE | $586 | $1,572-62.7% | $2,586-77.3% | $2,471-76.3% |
| Participant deferral / active EE | $1,232 | $2,740-55.1% | $3,890-68.3% | $3,740-67.1% |
| Admin fee / account holder | $3,437 | $3,356+2.4% | $4,883-29.6% | $5,306-35.2% |