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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 | $35,946 | $60,349-40.4% | $74,184-51.5% | $62,881-42.8% |
| Participation rate | 59.0% | 72.7%-13.8pp | 76.6%-17.6pp | 69.3%-10.3pp |
| Annual return | 4.19% | 21.38%-17.2pp | 17.74%-13.5pp | 20.14%-15.9pp |
| Employer contribution / active EE | $1,443 | $1,680-14.1% | $2,370-39.1% | $2,281-36.7% |
| Participant deferral / active EE | $3,101 | $2,856+8.6% | $3,550-12.6% | $3,203-3.2% |
| Admin fee / account holder | $18,462 | $4,261+333.3% | $5,586+230.5% | $4,296+329.8% |