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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 | $69,582 | $56,110+24.0% | $94,993-26.8% | $70,126-0.8% |
| Participation rate | 37.0% | 65.0%-28.0pp | 73.9%-36.8pp | 69.5%-32.5pp |
| Annual return | 8.78% | 51.02%-42.2pp | 27.14%-18.4pp | 73.15%-64.4pp |
| Employer contribution / active EE | $370 | $1,442-74.3% | $2,603-85.8% | $2,343-84.2% |
| Participant deferral / active EE | $930 | $2,391-61.1% | $3,317-72.0% | $3,332-72.1% |
| Admin fee / account holder | $10,522 | $3,456+204.4% | $4,960+112.1% | $4,645+126.5% |