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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 | $39,016 | $73,787-47.1% | $98,716-60.5% | $82,448-52.7% |
| Participation rate | 37.8% | 61.4%-23.6pp | 69.3%-31.5pp | 68.1%-30.3pp |
| Annual return | 7.04% | 18.57%-11.5pp | 31.81%-24.8pp | 41.64%-34.6pp |
| Employer contribution / active EE | $1,634 | $1,511+8.1% | $2,279-28.3% | $2,551-36.0% |
| Participant deferral / active EE | $3,098 | $3,081+0.5% | $4,048-23.5% | $4,139-25.2% |
| Admin fee / account holder | $1,651 | $6,500-74.6% | $8,703-81.0% | $7,234-77.2% |