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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 | $35,040 | $53,774-34.8% | $134,162-73.9% | $79,856-56.1% |
| Participation rate | 55.6% | 58.8%-3.2pp | 72.2%-16.6pp | 69.6%-14.1pp |
| Annual return | 10.19% | 19.01%-8.8pp | 36.35%-26.2pp | 31.71%-21.5pp |
| Employer contribution / active EE | $989 | $1,322-25.2% | $3,705-73.3% | $2,471-60.0% |
| Participant deferral / active EE | $3,096 | $2,420+27.9% | $3,500-11.5% | $3,741-17.2% |
| Admin fee / account holder | $5,771 | $3,985+44.8% | $6,685-13.7% | $5,306+8.8% |