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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 | $38,530 | $77,908-50.5% | $149,696-74.3% | $75,173-48.7% |
| Participation rate | 63.0% | 65.6%-2.6pp | 78.8%-15.8pp | 67.2%-4.2pp |
| Annual return | 12.88% | 31.73%-18.8pp | 134.46%-121.6pp | 160.72%-147.8pp |
| Employer contribution / active EE | $1,764 | $3,138-43.8% | $4,821-63.4% | $2,671-34.0% |
| Participant deferral / active EE | $2,988 | $3,411-12.4% | $5,682-47.4% | $4,126-27.6% |
| Admin fee / account holder | $2,362 | $5,950-60.3% | $13,212-82.1% | $5,651-58.2% |