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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 | $37,393 | $56,110-33.4% | $94,993-60.6% | $70,126-46.7% |
| Participation rate | 66.0% | 65.0%+1.0pp | 73.9%-7.9pp | 69.5%-3.6pp |
| Annual return | 9.04% | 51.02%-42.0pp | 27.14%-18.1pp | 73.15%-64.1pp |
| Employer contribution / active EE | $502 | $1,442-65.2% | $2,603-80.7% | $2,343-78.6% |
| Participant deferral / active EE | $2,006 | $2,391-16.1% | $3,317-39.5% | $3,332-39.8% |
| Admin fee / account holder | $3,512 | $3,456+1.6% | $4,960-29.2% | $4,645-24.4% |