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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 | $44,068 | $48,337-8.8% | $67,560-34.8% | $80,959-45.6% |
| Participation rate | 68.6% | 66.4%+2.1pp | 72.9%-4.4pp | 67.7%+0.9pp |
| Annual return | 9.20% | 18.26%-9.1pp | 3533.50%-3524.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,547 | $2,023-23.5% | $2,737-43.5% | $2,757-43.9% |
| Participant deferral / active EE | $2,585 | $2,928-11.7% | $4,004-35.4% | $4,300-39.9% |
| Admin fee / account holder | $761 | $3,695-79.4% | $3,994-80.9% | $6,925-89.0% |