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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 | $33,459 | $93,345-64.2% | $119,126-71.9% | $87,485-61.8% |
| Participation rate | 46.2% | 68.7%-22.6pp | 75.8%-29.6pp | 68.9%-22.8pp |
| Annual return | 11.65% | 19.08%-7.4pp | 282.11%-270.5pp | 26.06%-14.4pp |
| Employer contribution / active EE | $929 | $3,172-70.7% | $4,034-77.0% | $2,596-64.2% |
| Participant deferral / active EE | $2,047 | $4,099-50.1% | $5,318-61.5% | $4,274-52.1% |
| Admin fee / account holder | $9,558 | $8,039+18.9% | $10,693-10.6% | $7,775+22.9% |