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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 | $65,056 | $63,703+2.1% | $93,063-30.1% | $82,448-21.1% |
| Participation rate | 31.3% | 63.8%-32.6pp | 72.1%-40.9pp | 68.1%-36.8pp |
| Annual return | 12.31% | -775.43%+787.7pp | 34.15%-21.8pp | 41.64%-29.3pp |
| Employer contribution / active EE | $624 | $1,729-63.9% | $2,476-74.8% | $2,551-75.5% |
| Participant deferral / active EE | $1,081 | $2,919-63.0% | $3,958-72.7% | $4,139-73.9% |
| Admin fee / account holder | $5,449 | $5,982-8.9% | $6,033-9.7% | $7,234-24.7% |