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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 | $40,896 | $61,816-33.8% | $97,260-58.0% | $80,935-49.5% |
| Participation rate | 61.5% | 63.5%-1.9pp | 72.7%-11.1pp | 67.7%-6.1pp |
| Annual return | 10.14% | -558.73%+568.9pp | 75.54%-65.4pp | 35.66%-25.5pp |
| Employer contribution / active EE | $558 | $1,836-69.6% | $2,721-79.5% | $2,757-79.7% |
| Participant deferral / active EE | $1,363 | $3,027-55.0% | $4,262-68.0% | $4,299-68.3% |
| Admin fee / account holder | $5,300 | $5,166+2.6% | $5,640-6.0% | $6,924-23.5% |