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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 | $61,960 | $61,816+0.2% | $97,260-36.3% | $80,935-23.4% |
| Participation rate | 43.3% | 63.5%-20.1pp | 72.7%-29.3pp | 67.7%-24.3pp |
| Annual return | 8.85% | -558.73%+567.6pp | 75.54%-66.7pp | 35.66%-26.8pp |
| Employer contribution / active EE | $591 | $1,836-67.8% | $2,721-78.3% | $2,757-78.6% |
| Participant deferral / active EE | $2,448 | $3,027-19.1% | $4,262-42.6% | $4,299-43.1% |
| Admin fee / account holder | $7,053 | $5,166+36.5% | $5,640+25.1% | $6,924+1.9% |