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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 | $71,336 | $65,034+9.7% | $90,970-21.6% | $79,856-10.7% |
| Participation rate | 56.7% | 61.6%-4.9pp | 69.0%-12.3pp | 69.6%-12.9pp |
| Annual return | 6.36% | 30.45%-24.1pp | 134.60%-128.2pp | 31.71%-25.3pp |
| Employer contribution / active EE | $324 | $1,247-74.0% | $2,122-84.7% | $2,471-86.9% |
| Participant deferral / active EE | $2,477 | $2,512-1.4% | $3,373-26.6% | $3,741-33.8% |
| Admin fee / account holder | $1,478 | $4,536-67.4% | $5,961-75.2% | $5,306-72.1% |