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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 | $38,026 | $101,618-62.6% | $93,063-59.1% | $137,256-72.3% |
| Participation rate | 33.3% | 74.9%-41.6pp | 72.1%-38.8pp | 80.0%-46.6pp |
| Annual return | 10.34% | 223.95%-213.6pp | 34.15%-23.8pp | 220.34%-210.0pp |
| Employer contribution / active EE | $658 | $2,707-75.7% | $2,476-73.4% | $4,156-84.2% |
| Participant deferral / active EE | $1,745 | $4,279-59.2% | $3,958-55.9% | $6,407-72.8% |
| Admin fee / account holder | $8,874 | $6,198+43.2% | $6,033+47.1% | $12,270-27.7% |