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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 | $45,380 | $81,358-44.2% | $155,556-70.8% | $80,959-43.9% |
| Participation rate | 67.9% | 66.3%+1.6pp | 78.2%-10.4pp | 67.7%+0.2pp |
| Annual return | 4.73% | 33.39%-28.7pp | 64.84%-60.1pp | 35.67%-30.9pp |
| Employer contribution / active EE | $4,458 | $3,106+43.5% | $4,675-4.6% | $2,757+61.7% |
| Participant deferral / active EE | $4,318 | $3,455+25.0% | $5,631-23.3% | $4,300+0.4% |
| Admin fee / account holder | $811 | $7,994-89.9% | $15,885-94.9% | $6,925-88.3% |