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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 | $37,816 | $62,672-39.7% | $185,117-79.6% | $70,126-46.1% |
| Participation rate | 59.7% | 63.8%-4.0pp | 77.3%-17.5pp | 69.5%-9.8pp |
| Annual return | 12.34% | 40.79%-28.5pp | 40.50%-28.2pp | 73.15%-60.8pp |
| Employer contribution / active EE | $326 | $1,753-81.4% | $4,182-92.2% | $2,343-86.1% |
| Participant deferral / active EE | $1,799 | $3,272-45.0% | $5,045-64.3% | $3,332-46.0% |
| Admin fee / account holder | $3,065 | $3,932-22.0% | $8,159-62.4% | $4,645-34.0% |