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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 | $40,015 | $72,273-44.6% | $101,275-60.5% | $79,856-49.9% |
| Participation rate | 64.9% | 68.5%-3.6pp | 75.8%-10.9pp | 69.6%-4.8pp |
| Annual return | 5.18% | 22.30%-17.1pp | 46.48%-41.3pp | 31.71%-26.5pp |
| Employer contribution / active EE | $2,139 | $2,691-20.5% | $3,660-41.5% | $2,471-13.4% |
| Participant deferral / active EE | $3,708 | $3,282+13.0% | $4,371-15.2% | $3,741-0.9% |
| Admin fee / account holder | $1,263 | $4,401-71.3% | $5,948-78.8% | $5,306-76.2% |