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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 | $39,065 | $93,617-58.3% | $135,982-71.3% | $75,177-48.0% |
| Participation rate | 64.3% | 75.2%-10.9pp | 81.9%-17.6pp | 67.2%-2.9pp |
| Annual return | 6.48% | 30.89%-24.4pp | 68.32%-61.8pp | 160.75%-154.3pp |
| Employer contribution / active EE | $2,204 | $3,538-37.7% | $4,859-54.6% | $2,671-17.5% |
| Participant deferral / active EE | $5,333 | $6,406-16.8% | $7,760-31.3% | $4,126+29.2% |
| Admin fee / account holder | $7,712 | $6,980+10.5% | $10,767-28.4% | $5,651+36.5% |