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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 | $44,071 | $86,949-49.3% | $102,460-57.0% | $80,959-45.6% |
| Participation rate | 68.8% | 72.4%-3.6pp | 76.5%-7.8pp | 67.7%+1.1pp |
| Annual return | 9.59% | 18.89%-9.3pp | 29.47%-19.9pp | 35.67%-26.1pp |
| Employer contribution / active EE | $1,952 | $2,370-17.6% | $3,025-35.5% | $2,757-29.2% |
| Participant deferral / active EE | $4,498 | $4,121+9.1% | $5,056-11.0% | $4,300+4.6% |
| Admin fee / account holder | $846 | $8,048-89.5% | $9,460-91.1% | $6,925-87.8% |