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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 | $34,530 | $25,014+38.0% | $69,701-50.5% | $80,874-57.3% |
| Participation rate | 60.9% | 64.2%-3.4pp | 66.4%-5.6pp | 67.6%-6.8pp |
| Annual return | 9.86% | 19.07%-9.2pp | 100.32%-90.5pp | 35.62%-25.8pp |
| Employer contribution / active EE | $2,106 | $993+112.0% | $1,713+22.9% | $2,756-23.6% |
| Participant deferral / active EE | $4,042 | $1,839+119.8% | $2,887+40.0% | $4,297-5.9% |
| Admin fee / account holder | $1,642 | $2,488-34.0% | $4,717-65.2% | $6,935-76.3% |