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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 | $31,005 | $76,407-59.4% | $150,298-79.4% | $82,448-62.4% |
| Participation rate | 64.5% | 66.4%-1.9pp | 77.8%-13.2pp | 68.1%-3.6pp |
| Annual return | 12.70% | 39.99%-27.3pp | 62.79%-50.1pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,695 | $2,614-35.1% | $4,154-59.2% | $2,551-33.5% |
| Participant deferral / active EE | $2,823 | $3,214-12.2% | $5,453-48.2% | $4,139-31.8% |
| Admin fee / account holder | $3,709 | $6,352-41.6% | $14,116-73.7% | $7,234-48.7% |