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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 | $46,767 | $68,880-32.1% | $120,580-61.2% | $80,959-42.2% |
| Participation rate | 64.7% | 61.7%+3.0pp | 72.0%-7.3pp | 67.7%-3.0pp |
| Annual return | 7.24% | 23.68%-16.4pp | 107.48%-100.2pp | 35.67%-28.4pp |
| Employer contribution / active EE | $1,847 | $2,066-10.6% | $3,469-46.8% | $2,757-33.0% |
| Participant deferral / active EE | $4,410 | $3,191+38.2% | $4,995-11.7% | $4,300+2.5% |
| Admin fee / account holder | $2,755 | $5,785-52.4% | $9,418-70.7% | $6,925-60.2% |