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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 | $34,964 | $86,949-59.8% | $102,460-65.9% | $80,959-56.8% |
| Participation rate | 55.6% | 72.4%-16.8pp | 76.5%-21.0pp | 67.7%-12.1pp |
| Annual return | 9.45% | 18.89%-9.4pp | 29.47%-20.0pp | 35.67%-26.2pp |
| Employer contribution / active EE | $2,542 | $2,370+7.3% | $3,025-16.0% | $2,757-7.8% |
| Participant deferral / active EE | $3,183 | $4,121-22.8% | $5,056-37.0% | $4,300-26.0% |
| Admin fee / account holder | $11,960 | $8,048+48.6% | $9,460+26.4% | $6,925+72.7% |