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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 | $47,490 | $95,453-50.2% | $112,040-57.6% | $82,448-42.4% |
| Participation rate | 64.1% | 72.8%-8.7pp | 76.5%-12.4pp | 68.1%-4.0pp |
| Annual return | 8.98% | 23.92%-14.9pp | 24.52%-15.5pp | 41.64%-32.7pp |
| Employer contribution / active EE | $2,415 | $2,318+4.2% | $2,954-18.2% | $2,551-5.3% |
| Participant deferral / active EE | $5,164 | $4,224+22.3% | $5,098+1.3% | $4,139+24.7% |
| Admin fee / account holder | $11,430 | $9,013+26.8% | $12,098-5.5% | $7,234+58.0% |