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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 | $67,695 | $72,027-6.0% | $185,835-63.6% | $79,852-15.2% |
| Participation rate | 57.7% | 65.8%-8.1pp | 78.0%-20.3pp | 69.6%-11.9pp |
| Annual return | 8.19% | 23.13%-14.9pp | 35.96%-27.8pp | 31.72%-23.5pp |
| Employer contribution / active EE | $910 | $1,965-53.7% | $4,087-77.7% | $2,471-63.2% |
| Participant deferral / active EE | $3,352 | $3,780-11.3% | $5,633-40.5% | $3,740-10.4% |
| Admin fee / account holder | $23,312 | $4,513+416.6% | $9,502+145.3% | $5,306+339.3% |