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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 | $63,314 | $60,442+4.8% | $96,754-34.6% | $87,485-27.6% |
| Participation rate | 38.9% | 58.7%-19.8pp | 70.3%-31.4pp | 68.9%-30.0pp |
| Annual return | 7.26% | 21.97%-14.7pp | 82.04%-74.8pp | 26.06%-18.8pp |
| Employer contribution / active EE | $1,101 | $1,691-34.9% | $2,679-58.9% | $2,596-57.6% |
| Participant deferral / active EE | $2,533 | $3,280-22.8% | $4,758-46.8% | $4,274-40.7% |
| Admin fee / account holder | $9,020 | $5,069+77.9% | $8,905+1.3% | $7,775+16.0% |