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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 | $35,098 | $76,407-54.1% | $150,298-76.6% | $82,448-57.4% |
| Participation rate | 64.9% | 66.4%-1.5pp | 77.8%-12.9pp | 68.1%-3.2pp |
| Annual return | 6.35% | 39.99%-33.6pp | 62.79%-56.4pp | 41.64%-35.3pp |
| Employer contribution / active EE | $3,460 | $2,614+32.3% | $4,154-16.7% | $2,551+35.6% |
| Participant deferral / active EE | $2,276 | $3,214-29.2% | $5,453-58.3% | $4,139-45.0% |
| Admin fee / account holder | $595 | $6,352-90.6% | $14,116-95.8% | $7,234-91.8% |