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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 | $54,806 | $93,598-41.4% | $135,974-59.7% | $75,173-27.1% |
| Participation rate | 68.9% | 75.2%-6.3pp | 81.9%-13.1pp | 67.2%+1.6pp |
| Annual return | 14.90% | 30.89%-16.0pp | 68.30%-53.4pp | 160.72%-145.8pp |
| Employer contribution / active EE | $1,440 | $3,538-59.3% | $4,859-70.4% | $2,671-46.1% |
| Participant deferral / active EE | $3,701 | $6,405-42.2% | $7,760-52.3% | $4,126-10.3% |
| Admin fee / account holder | $775 | $6,978-88.9% | $10,767-92.8% | $5,651-86.3% |