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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 | $34,337 | $48,364-29.0% | $71,796-52.2% | $62,881-45.4% |
| Participation rate | 69.0% | 60.6%+8.4pp | 69.1%-0.1pp | 69.3%-0.3pp |
| Annual return | 2.72% | 13.16%-10.4pp | 78.04%-75.3pp | 20.14%-17.4pp |
| Employer contribution / active EE | $602 | $1,042-42.2% | $1,924-68.7% | $2,281-73.6% |
| Participant deferral / active EE | $2,409 | $2,091+15.2% | $2,794-13.8% | $3,203-24.8% |
| Admin fee / account holder | $6,884 | $3,771+82.5% | $4,815+43.0% | $4,296+60.3% |