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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 | $37,958 | $56,544-32.9% | $75,501-49.7% | $70,126-45.9% |
| Participation rate | 61.4% | 68.1%-6.7pp | 72.4%-10.9pp | 69.5%-8.1pp |
| Annual return | 10.53% | 23.59%-13.1pp | 27.35%-16.8pp | 73.15%-62.6pp |
| Employer contribution / active EE | $2,029 | $1,817+11.7% | $2,352-13.7% | $2,343-13.4% |
| Participant deferral / active EE | $4,877 | $2,580+89.0% | $3,142+55.2% | $3,332+46.4% |
| Admin fee / account holder | $13,720 | $3,827+258.6% | $5,801+136.5% | $4,645+195.3% |