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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 | $35,431 | $72,269-51.0% | $101,271-65.0% | $79,852-55.6% |
| Participation rate | 61.3% | 68.5%-7.2pp | 75.8%-14.5pp | 69.6%-8.3pp |
| Annual return | 5.98% | 22.29%-16.3pp | 46.48%-40.5pp | 31.72%-25.7pp |
| Employer contribution / active EE | $1,392 | $2,692-48.3% | $3,660-62.0% | $2,471-43.7% |
| Participant deferral / active EE | $2,398 | $3,282-26.9% | $4,371-45.1% | $3,740-35.9% |
| Admin fee / account holder | $4,779 | $4,401+8.6% | $5,948-19.6% | $5,306-9.9% |