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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 | $84,964 | $88,360-3.8% | $145,433-41.6% | $67,986+25.0% |
| Participation rate | 35.6% | 65.5%-29.8pp | 82.1%-46.5pp | 57.2%-21.6pp |
| Annual return | 14.42% | 63.15%-48.7pp | 66.58%-52.2pp | 31.67%-17.2pp |
| Employer contribution / active EE | $563 | $3,054-81.6% | $4,554-87.6% | $2,019-72.1% |
| Participant deferral / active EE | $2,864 | $5,932-51.7% | $7,897-63.7% | $3,358-14.7% |
| Admin fee / account holder | $4,660 | $3,313+40.6% | $13,129-64.5% | $3,203+45.5% |