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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 | $40,572 | $72,273-43.9% | $101,275-59.9% | $79,856-49.2% |
| Participation rate | 64.0% | 68.5%-4.5pp | 75.8%-11.8pp | 69.6%-5.6pp |
| Annual return | 5.89% | 22.30%-16.4pp | 46.48%-40.6pp | 31.71%-25.8pp |
| Employer contribution / active EE | $1,767 | $2,691-34.3% | $3,660-51.7% | $2,471-28.5% |
| Participant deferral / active EE | $4,057 | $3,282+23.6% | $4,371-7.2% | $3,741+8.5% |
| Admin fee / account holder | $2,754 | $4,401-37.4% | $5,948-53.7% | $5,306-48.1% |