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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 | $63,354+2.7% | $94,105-30.9% | $82,637-21.3% |
| Participation rate | 31.3% | 63.8%-32.6pp | 71.9%-40.7pp | 68.1%-36.8pp |
| Annual return | 12.31% | 34.36%-22.1pp | 204.55%-192.2pp | 53.51%-41.2pp |
| Employer contribution / active EE | $624 | $1,760-64.5% | $2,504-75.1% | $2,552-75.5% |
| Participant deferral / active EE | $1,081 | $2,873-62.4% | $3,881-72.1% | $4,126-73.8% |
| Admin fee / account holder | $5,449 | $5,073+7.4% | $6,199-12.1% | $7,339-25.7% |