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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 | $44,704 | $93,617-52.2% | $135,982-67.1% | $75,177-40.5% |
| Participation rate | 61.4% | 75.2%-13.8pp | 81.9%-20.5pp | 67.2%-5.8pp |
| Annual return | 8.21% | 30.89%-22.7pp | 68.32%-60.1pp | 160.75%-152.5pp |
| Employer contribution / active EE | $1,520 | $3,538-57.0% | $4,859-68.7% | $2,671-43.1% |
| Participant deferral / active EE | $2,796 | $6,406-56.4% | $7,760-64.0% | $4,126-32.2% |
| Admin fee / account holder | $744 | $6,980-89.3% | $10,767-93.1% | $5,651-86.8% |