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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 | $74,535-47.7% | $100,712-61.3% | $82,637-52.8% |
| Participation rate | 37.8% | 61.2%-23.4pp | 69.3%-31.5pp | 68.1%-30.3pp |
| Annual return | 7.04% | 18.92%-11.9pp | 33.27%-26.2pp | 53.51%-46.5pp |
| Employer contribution / active EE | $1,634 | $1,503+8.7% | $2,313-29.4% | $2,552-36.0% |
| Participant deferral / active EE | $3,098 | $3,074+0.8% | $4,085-24.2% | $4,126-24.9% |
| Admin fee / account holder | $1,651 | $6,576-74.9% | $9,256-82.2% | $7,339-77.5% |