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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 | $40,281 | $86,949-53.7% | $102,460-60.7% | $80,959-50.2% |
| Participation rate | 62.9% | 72.4%-9.5pp | 76.5%-13.7pp | 67.7%-4.8pp |
| Annual return | 10.25% | 18.89%-8.6pp | 29.47%-19.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,842 | $2,370-22.3% | $3,025-39.1% | $2,757-33.2% |
| Participant deferral / active EE | $4,174 | $4,121+1.3% | $5,056-17.5% | $4,300-2.9% |
| Admin fee / account holder | $3,595 | $8,048-55.3% | $9,460-62.0% | $6,925-48.1% |