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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 | $94,692 | $78,690+20.3% | $161,489-41.4% | $87,485+8.2% |
| Participation rate | 29.6% | 67.5%-37.8pp | 78.7%-49.1pp | 68.9%-39.3pp |
| Annual return | 11.70% | 32.74%-21.0pp | 89.72%-78.0pp | 26.06%-14.4pp |
| Employer contribution / active EE | $618 | $2,588-76.1% | $4,268-85.5% | $2,596-76.2% |
| Participant deferral / active EE | $2,286 | $3,311-31.0% | $5,630-59.4% | $4,274-46.5% |
| Admin fee / account holder | $994 | $6,724-85.2% | $16,006-93.8% | $7,775-87.2% |