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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 | $32,664 | $77,814-58.0% | $158,223-79.4% | $86,983-62.4% |
| Participation rate | 69.4% | 68.4%+1.0pp | 79.2%-9.8pp | 69.5%-0.1pp |
| Annual return | 10.48% | 30.54%-20.1pp | 52.09%-41.6pp | 25.83%-15.4pp |
| Employer contribution / active EE | $1,173 | $2,592-54.8% | $4,109-71.5% | $2,584-54.6% |
| Participant deferral / active EE | $3,943 | $3,270+20.6% | $5,467-27.9% | $4,194-6.0% |
| Admin fee / account holder | $3,735 | $5,879-36.5% | $16,047-76.7% | $7,856-52.5% |