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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 | $81,276-44.2% | $155,574-70.8% | $80,925-43.9% |
| Participation rate | 67.9% | 66.2%+1.6pp | 78.2%-10.4pp | 67.7%+0.2pp |
| Annual return | 4.73% | 33.36%-28.6pp | 64.87%-60.1pp | 35.65%-30.9pp |
| Employer contribution / active EE | $4,458 | $3,103+43.7% | $4,676-4.6% | $2,756+61.8% |
| Participant deferral / active EE | $4,318 | $3,453+25.1% | $5,629-23.3% | $4,299+0.5% |
| Admin fee / account holder | $811 | $7,993-89.9% | $15,914-94.9% | $6,940-88.3% |