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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 | $28,315 | $88,672-68.1% | $105,223-73.1% | $82,448-65.7% |
| Participation rate | 68.2% | 67.9%+0.3pp | 75.0%-6.9pp | 68.1%+0.1pp |
| Annual return | 9.45% | 30.86%-21.4pp | 180.65%-171.2pp | 41.64%-32.2pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,700 | $4,036-57.9% | $5,072-66.5% | $4,139-58.9% |
| Admin fee / account holder | $466 | $7,146-93.5% | $8,859-94.7% | $7,234-93.6% |