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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 | $32,505 | $54,757-40.6% | $90,304-64.0% | $72,975-55.5% |
| Participation rate | 63.3% | 65.2%-1.8pp | 73.3%-9.9pp | 69.5%-6.2pp |
| Annual return | 15.68% | 30.63%-15.0pp | 78.13%-62.5pp | 81.01%-65.3pp |
| Employer contribution / active EE | $348 | $2,093-83.4% | $2,855-87.8% | $2,440-85.7% |
| Participant deferral / active EE | $1,736 | $2,887-39.9% | $3,885-55.3% | $3,608-51.9% |
| Admin fee / account holder | $14,908 | $3,973+275.2% | $5,354+178.5% | $5,124+190.9% |