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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 | $38,202 | $54,757-30.2% | $90,300-57.7% | $72,983-47.7% |
| Participation rate | 61.5% | 65.1%-3.6pp | 73.3%-11.7pp | 69.5%-7.9pp |
| Annual return | 6.43% | 30.63%-24.2pp | 78.11%-71.7pp | 81.01%-74.6pp |
| Employer contribution / active EE | $329 | $2,092-84.3% | $2,854-88.5% | $2,440-86.5% |
| Participant deferral / active EE | $2,757 | $2,887-4.5% | $3,884-29.0% | $3,608-23.6% |
| Admin fee / account holder | $2,120 | $3,972-46.6% | $5,353-60.4% | $5,124-58.6% |