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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 | $35,095 | $77,492-54.7% | $100,398-65.0% | $80,911-56.6% |
| Participation rate | 61.9% | 76.9%-15.0pp | 81.5%-19.6pp | 67.6%-5.7pp |
| Annual return | 10.35% | 37.23%-26.9pp | 49.32%-39.0pp | 35.63%-25.3pp |
| Employer contribution / active EE | $1,060 | $2,800-62.1% | $3,946-73.1% | $2,756-61.5% |
| Participant deferral / active EE | $3,564 | $6,817-47.7% | $8,084-55.9% | $4,297-17.1% |
| Admin fee / account holder | $3,204 | $5,892-45.6% | $7,893-59.4% | $6,935-53.8% |