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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 | $70,755 | $82,133-13.9% | $147,318-52.0% | $64,097+10.4% |
| Participation rate | 26.4% | 62.3%-35.9pp | 82.1%-55.6pp | 55.2%-28.8pp |
| Annual return | 11.89% | 78.78%-66.9pp | 70.43%-58.5pp | 34.64%-22.8pp |
| Employer contribution / active EE | $598 | $2,872-79.2% | $4,593-87.0% | $1,891-68.4% |
| Participant deferral / active EE | $1,609 | $5,407-70.2% | $7,906-79.6% | $3,080-47.7% |
| Admin fee / account holder | $5,378 | $3,730+44.2% | $13,708-60.8% | $3,454+55.7% |