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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 | $36,324 | $76,551-52.5% | $123,894-70.7% | $62,881-42.2% |
| Participation rate | 60.0% | 73.0%-13.0pp | 81.4%-21.4pp | 69.3%-9.3pp |
| Annual return | 5.83% | 18.68%-12.8pp | 47.52%-41.7pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,695 | $2,882-41.2% | $4,617-63.3% | $2,281-25.7% |
| Participant deferral / active EE | $4,321 | $4,840-10.7% | $5,984-27.8% | $3,203+34.9% |
| Admin fee / account holder | $459 | $4,826-90.5% | $8,357-94.5% | $4,296-89.3% |