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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 | $54,355 | $67,411-19.4% | $91,004-40.3% | $70,124-22.5% |
| Participation rate | 57.4% | 71.4%-14.0pp | 75.6%-18.2pp | 69.5%-12.2pp |
| Annual return | 11.84% | -40.16%+52.0pp | 4.60%+7.2pp | 73.14%-61.3pp |
| Employer contribution / active EE | $916 | $1,786-48.7% | $2,456-62.7% | $2,342-60.9% |
| Participant deferral / active EE | $1,913 | $2,823-32.2% | $3,548-46.1% | $3,332-42.6% |
| Admin fee / account holder | $5,416 | $4,236+27.8% | $5,4170% | $4,645+16.6% |