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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 | $42,162 | $77,492-45.6% | $100,398-58.0% | $80,911-47.9% |
| Participation rate | 67.7% | 76.9%-9.2pp | 81.5%-13.8pp | 67.6%+0.1pp |
| Annual return | 12.27% | 37.23%-25.0pp | 49.32%-37.1pp | 35.63%-23.4pp |
| Employer contribution / active EE | $2,859 | $2,800+2.1% | $3,946-27.6% | $2,756+3.7% |
| Participant deferral / active EE | $5,751 | $6,817-15.6% | $8,084-28.9% | $4,297+33.8% |
| Admin fee / account holder | $3,493 | $5,892-40.7% | $7,893-55.7% | $6,935-49.6% |