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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 | $35,701 | $88,360-59.6% | $145,433-75.5% | $67,986-47.5% |
| Participation rate | 64.3% | 65.5%-1.2pp | 82.1%-17.8pp | 57.2%+7.1pp |
| Annual return | 13.68% | 63.15%-49.5pp | 66.58%-52.9pp | 31.67%-18.0pp |
| Employer contribution / active EE | $1,774 | $3,054-41.9% | $4,554-61.1% | $2,019-12.1% |
| Participant deferral / active EE | $3,583 | $5,932-39.6% | $7,897-54.6% | $3,358+6.7% |
| Admin fee / account holder | $5,697 | $3,313+71.9% | $13,129-56.6% | $3,203+77.9% |