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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 | $62,765 | $71,197-11.8% | $93,669-33.0% | $80,925-22.4% |
| Participation rate | 43.2% | 60.4%-17.2pp | 68.7%-25.5pp | 67.7%-24.4pp |
| Annual return | 8.98% | 11.27%-2.3pp | 133.59%-124.6pp | 35.65%-26.7pp |
| Employer contribution / active EE | $544 | $1,565-65.2% | $2,424-77.6% | $2,756-80.3% |
| Participant deferral / active EE | $3,641 | $4,036-9.8% | $4,416-17.6% | $4,299-15.3% |
| Admin fee / account holder | $9,798 | $6,959+40.8% | $8,291+18.2% | $6,940+41.2% |